I have had dealings lately with Citi Bank, Capital One, and ApplePaY (not a bank but moving money without being regulated.) And YES....their arrogance, changing processes and policies daily at will, lack of transparency, has convinced me they are not "too big to fail"...but too big period. Money movers need MUCH more regulation (even ApplePay who is out of control with fraud and identity theft) AND the laws need to be changed as they sit so that the banks don't rely on more bail out. Break em up.