I told my wife years ago that the Government allowing the mergers of small banks into big ones would one day ruin America.
My bank got eaten up years ago, then that bank disappeared into another one and another. I got a lona from a local bank for my mortgage, so that is I had a problem I could go to the bank and discuss it. They sold my mortgage to a big bank and then it was sold again . I was never so happy as the day I paid off that mortgage.
The government would prefer that small business would all go away. It is much easier for the government to deal with a few huge entities that with all the small businesses that litter a free economy. More profitable at election time, too.