Too big to fail really messes with the system. Especially the way we did it in 2008. Stock holders should all loose their positions to the government and the government should be required to sell new stock to the public within five years of the takeover. Instead Wall Street makes big donations, pays massive speaking fees and gives board positions to family members and friends of politicians, etc and everything is swept under the rug. The reason we have the current problem which is getting worse is the same group are running the big banks. In 2008, one banker was convicted if memory serves me correct. It needs to be different this time.