I agree that the problems you mentioned are truly important. The issue is that most banks, and especially the giants like JPMorgan, are interested in making them worse.

[1] https://newrepublic.com/article/155212/worked-capital-one-fi...

[2] https://jpmadoff.com/victims/

[3] https://www.rollingstone.com/politics/politics-news/the-9-bi...