Owning a US bank is hard — deliberately so. A long-standing belief that commerce and banking are best kept separate has spawned rules and hurdles that effectively prevent Walmart, Google or Tesla from taking deposits and making loans. But that could change. If it does, customers will get more choice and the financial system will get more risk.
拥有一家美国银行是困难的——这是有意为之。长期以来，人们一直认为商业和银行业最好分开，这种信念催生了各种规则和障碍，有效地阻止了沃尔玛(Walmart)、谷歌(Google)或特斯拉(Tesla)接受存款和发放贷款。但这种情况可能会改变。如果改变，客户将有更多选择，而金融系统将面临更多风险。
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