This article that we found on The Washington Post illustrates just the kind of thinking that needs to be exposed and that proves the need for major financial reform in the US.
The author rails against calls that have been made, especially by presidential candidate Bernie Sanders, to break up the big banks. Although noting that the biggest banks have indeed gotten bigger in the last ten years, the author says that this is because the banks merely absorbed smaller, weaker banks in the fallout after the Great Recession. Not seeing that as part of the problem, he goes on to say that the luke-warm regulations imposed by Dodd-Frank have forced shady mortgages off the banks books and into the shadow economy.
The centralization and monopolization of wealth and asset creation are the problem. The sooner we can move to a decentralized, trusted, deflationary money, the better.