I'm a financial planner and spent ten years prior to that working as an equity research analyst for global diversified financial services firms. Our incentive structure is designed to promote theft and corruption rather than sound financial management. The boom-bust cycle was mitigated significantly for the better part of a century because of Glass-Steagall and other legislation. Your constituents understand economics and history, and we lived through the S&L crisis and and subsequent cycles. Reinstatement of tight controls is for the greater good.