You can't have bank holding companies acting as hedge funds. You can't have them taking a million-dollar pension plan for Joe Schmo the bus driver and treat it with the same risk appetite that you treat George Soros' pocket money. It's fundamentally ridiculous.
I firmly believe that any man's finest hour the greatest fulfillment of all that he holds dear is that moment when he has worked his heart out in a good cause and lies exhausted on the field of battle - victorious.