There are many excellent suggestions in this article, But, at some point during the next administration, we need to decentralize banking. Commercial banks need to be separated from investment banks, because they support the real econ0my. Interest rates must rise in those banks to make savings attractive, so they can provide loans for small businesses and homes. One reason for this boom-and-bust speculative economy was that savings accounts did not grow, and barely kept up with inflation. Speculation by ordinary people was encouraged to keep their savings from disappearing. When you concentrate economic power in a few hands, massive failure is a risk through mistakes or malfeasance. When these few financial organization fail the real economy fails. While competition is an element, the main reason for decentralization is to spread the risk around, so if one or more banks fail, other banks can take take their place.