This is why the over regulated environment you probably loathe exists. Businesses are simply not able to self-regulate due to their greed and lack of social empathy and therefore the will of the people (government) have to regulate them - possibly into non-existence.

You will be the victim of your own hubris when the populist majority brings the pitchforks and sucks you dry. And you should know better - the government mainly exists to subsidize outsized risks and ventures by those with influence - the wealthy.

With that - you are trying to destory the existing banking structure so more power to you.