Instead of abandoning competition and giving banks protected monopolies once again, the public would be better served by making it easier to close banks when they get into trouble. Instead of making banking boring, let us make it a normal industry, susceptible to destruction in the face of creativity.
我们不应该抛弃竞争，让银行回到受保护的垄断的老路，让关闭遇到麻烦的银行变得更容易更能保护公众利益。我们不应该让银行变得无聊，而应该把它变成常规行业，让它们变得容易因创新而被破坏。