You can't have bank holding companies acting as hedge funds. You can't have them taking a million-dollar pension plan for Joe Schmo the bus driver and treat it with the same risk appetite that you treat George Soros' pocket money. It's fundamentally ridiculous.
I'm actually not a big fan of the word hope. I think it's a depressing word. I don't want to hope - I want to know. Like I don't hope there's a God I know there's a God.