That’s not the natural next step. And even if it were, shareholders would push that new big entity to increase profits and then it just becomes the thing it disrupted.

A core topic of what I wrote is that I enjoy banking with an entity that doesn’t have aspirations to grow beyond its local environment. I enjoy being a member of a credit union. I decidedly do not want to bank with a large bank. History has shown this utopia you envision is almost certainly never going to happen.

Why should I want to bank with a large bank? I’ve done it, several times, and it offers no advantages over my current bank. The goals of a credit union are far more aligned with my own interests.