I've posted a few times before, over the years, about this topic, and I've shared emails and other stuff just to let people know that there really IS a way this could be dealt with, but our gubmint is not interested in any of that, of course.  They don't want answers, they love the confusion because in confusion there is profit.

http://mailchi.mp/1930a47462b1/selling-out-to-americas-megabanks-regulation-is-killing-community-banks-public-banks-can-revive-them?e=be95175dd2