We do NOT have a "Free Market", its been rigged for some time.
Banks have "Free Money", they get to use ours for hardly any interest...its pathetic!
If I were one of the banks that received a bailout, I would have a campaign to "Thank Americans" & cut all the fees by at least $5.00.
I would thank Americans for helping us when we needed it & tell them I realize they deserve some help too.
IMO, this "bank" would get many new customers & some respect.
I have a sister that works for Citi, suggested she might want to give them first dibs.