Mr. Voss,

Great article. The main part that hit home was the notion that "banking institutions take increasingly greater risks since their losses are subsidized by taxpayers". Although I am still in the process of developing my own beliefs in macro theory I believe these institutions have the utmost responsibility to its citizens to operate in a fiduciary manner. Instead it seems they use their own citizens as leverage against the government, as leaders want to avoid the economics pains of a failure at all costs, and banks abuse this relationship to take abnormal risks.

Best,
Slaiman Atayee
James Madison University Class of 2015
Finance