These bankers will never ever get it. I am all for capitalism but, the banks have been giving the US people a raw deal for a long time. They have everyone working within the banking system on some sort of bonus or commission from the tellers on to the CEO's. Problem is when employees are motivated by money only, disciplinary action for not meeting sales goals or possible being fired for not meeting sales numbers then you have a big problem. You have many great people giving really bad financial advice ending up where we are today. Sure businesses need banks for working capital or start up capital but,when you have bankers pushing credit onto businesses that may not qualify for credit only to receive a bonus or commission then we have a problem. The issue here is not capitalism but, poor management decisions, inferior regulation and banks knowing how to stay under the radar of the regulators. I agree good American competition and capitalism is a good thing but, these bankers have gone above and beyond to abuse the American way of doing business. These bankers have given up ethics for self gain and forced their employees to do the same or be fired and have loss of income. These bankers will use TARP funds and do it to us again and again unless the American people ask for better. When we talk about banking it is much different than buying a bag of groceries and being sold on a $2.00 impulse buy while checking out or walking through the store and being sold on a sample this will not cause and economic crisis. But, with banks we are talking about businesses being closed, businesses not having start up funds, mortgage foreclosures', loss of your home, loss of your children's education funds, loss of your retirement funds, loss of your spouse or children's inheritance, loss of you pension funds, extreme levels of credit card debt, and the possibility of not being to retire because of bad advice or investments on the banks part only so they can pay themselves higher bonuses. Anything associated with a bank has a commission, bonus or some sort of dollar value associated with it for the bankers from your teller up to the CEO's and again when you add the mix of greed and fear of job loss into the mix you end up with many good bankers not making such good decisions for you the American people. Again, all for capitalism, ethical competition, the American way but, these bankers have taken this to an all time low and who suffers the consequences you the American people. People should be able to trust their bankers and their banks but, these CEO's have created an unethical culture of banking. Banks can and should provide capital for production, growth of our businesses, consumers funds but, as stewards of our money they have failed America. They need to have higher standards than they have shown the American people. Banks need to be profitable as no one would argue that issue the banks are profitable so we are profitable. The problem here is that the banks were so focused on themselves being profitable they lost the concern for the average American person or business. They became gamblers and for the sake of their profitability they gambled our homes away, our retirement funds and our businesess ability to profit and grow.