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The question that one needs to ask is why do we need "Big Banks" and accordingly " The too big too Fail" Act? None of the big banks of today can operate profitably under the $50 billion threshold. They will go out of business in no time. Therefore, only two options are left, (1) to split them apart (to include ring fencing them which in some countries is now happening, a decade after the crisis), which the Obama Administration should have done back in 2009 but did not, and to create multiple smaller banks or (2) if one is to keep the status quo and impose more regulations, then an increase to the threshold becomes the 2nd option. No small bank or any small business can survive with excessive regulations. The fall or dissolution of Lehman Brothers did not trigger the financial crisis of 2008, we all know what did it, one of which was the decision of the Treasury at the time with the Obama Administration's blessing. Regarding Dodd- Frank and regulations in general, throughout the ages we had regulations, none of which managed to safeguard countries or the financial system from collapsing. Therefore, one should not look at regulations as being the one and only option. In case of crisis, any crisis, regulations are always too slow to kick in and therefore they can never prevent any fallout or prevent disasters, at best they can only protect officials and the ones that wrote them in the first place. Regulations must be simplified, streamlined and brought into the 21st Century, something that Trump promised to do and we are still waiting!