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What are big banks good for?

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Being a big business isn't a bad thing, in itself. It can often be a good thing. Wal-Mart, for instance, uses its size to negotiate lower prices from suppliers, and thus provide lower prices to consumers. It also uses its size to provide a broad pool of workers so that it can self-insure its employees' health, knocking out the middle man. Size allows banks to do things like...