Centralization is the name of the game. As much as we all hate banks, I believe a diverse banking sector with thousands of small banks (like the US has, albeit it's losing it) is much better than a few-and-large one. Cantillionares probably think the other way around.
In Europe we are already fucked with a terrible power concentration in a few monster banks.
If only we had something to opt-out of this madness.