Well said.
It should be noted that the Dodd/Frank act has institutionalized and put a definition to banks fitting the term "too big to fail". Banks can now be designated a head of time as "too big to fail".
To the detriment of society.
The sad part of the whole mess is much of what the banks did, was and still is legal.
You will see very few people, if anyone at all, prosecuted for what happened.