Does the USA need a perestroika?

[Sqrl]

ckmlb said:

Kasz216 said:

Not really.  Not when we had billions in government spent funds that could of been given specifically been used for nonprofit loans.

Not to mention that dozens if not hundreds of banks popped up during this crisis.

Just because the money lost at the bigger banks was a much larger amount, it doesn't forgive the crimes of smaller banks and the problem was not a few people running big banks, but a much larger part of society.

What crimes did the smaller banks commit exactly?  I want to make sure I understand what your argument is rather than assume anything.