How about new banks?
Let Wal-Mart get into banking like they hinted at a few years ago. I could give a fuck if current bankers and their lackeys in congress are opposes. Wal-Mart would have a customer focus and would optimize.
If Congress want to feel like they are doing something, let them set up a expedited process for issuing federal banking charters.
Close down the insolvent banks.
No more bailouts (aka taxpayer lootings).
We need new banks.