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So? There are thousand of credit unions. Some people do start their own banks. What is your point? People are not mad at banks. Don't be a child. But the situation nowadays is ridiculous. But not like that one commercial said. The one where a banker says "Banks only gives money to those who doesn't need it" And another guy said that it ridiculous. No it is not. Banks are not a welfare program that gives money to poor people. Banks give money to return it with profit. That means it gives money to people who have money but can do better with bank's money. And with the existing regulations banks just gives money to everyone. Still. I was buying a home recently and I probably was a unique person getting a loan with a decent down payment. Most gets mortgage still with 3% down. And who will pay the risks? Not the banks. We, taxpayers! That is ridiculous! I like Scott Brown. Yes we need banks to help businesses who create jobs in America. But we do not need them to risk money. Any if they do we should not bail them out. And I agree with Obama actually on the big banks tax. I don't know, may be in future it will not be tax but regulations. I don't like taxes too :). But right now it looks like particular big banks are those who black mail the nation forcing us to bailout them. They crated a situation then we can't refuse to bailout them because it will ruin the whole economy and they are still can gamble with our money.