Don’t Break Up the Banks so the Boys can keep on Playing with Themselves?

Financial institutions; banks in particular, require collateral to manage risk.  An unlimited stream of collateral deemed risk free fueled a growth in assets under management to a point where these banks are less efficient at allocating capital. To Big To Fail banks should be broken up into entities with less than one percent of GDP in assets under management to bring them back to their real purpose, which is to gather savings for real capital investment. Currently derivatives and the like are the investments the boys play at and our thirty year record of wealth and income concentration the result.