We don't have 'free markets'. We have crony capitalism writ large, where a circle jerk of conniving providers couple with canoodling politicians to ensure a never ending flow of profit and 'contributions'.
Govt set the stage for the industry crooks and we will re-elect the same scabulous thugs to office every two, four or six years. Do not expect change until we flush the toilet we call govt.
BTW, did central casting gin up the character Jamie Dimon? Dressed like a mobster, named like a mobster, and running the most crooked finance scams in the nation.
Are we a great country or what?