[doonesbury]

Agree! Let's not think leather shoes and shirt cuffs is always better. There's a long running issue with fee-for-service giving what the client wants. Ok to be fair to banks they could easily be value add but only if they face stiffer down side on fees when fraud, bs, and bad evals happen earning indeed commanding those fees on the upside or average case. It's separating risk from reward that is the issue largely.