Whike I can agree that it's important to keep an eye on government overreach with too much regulation, there are industries upon which I think we are so reliant for our welfare that we cannot leave them to their own policing. One of these is the financial services industry, including banking. This industry, like politics, relies on human integrity as the main source of protection for those it serves. Both are vulnerable to the lure of greed and backroom deals. The Great Recession was sparked at least in part by the greed of those who constructed financial houses of cards that, when they collapsed, did damage globally, destroyed people's retirement/savings funds, caused some to lose their homes, and damaged the American economy so severely that it took years for recovery. In my opinion, that are vital to our individual and collective well being such as banking, politics, insurance, and pharmacy need regulations that keep greed in check, punish abuse severely, and maintain transparency.