Flaws in banking and financial system

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Please tell us what you believe to be the major flaws in the American banking and financial system and what it is we should do to “fix ” them?

Please don’t dwell on what is “politically feasible” – be bold.

Assume you are writing this essay to the President of the United States, the

Secretary of the Treasury, and the Chairman of the Federal Reserve System.

Assume they will do what you tell them to do, provided you make a solid case.