Mark Higdon notes, I was years ahead of Bill Detzner. During the 2008+ financial crises, we retained longtime accounts at a federally-chartered bank that received no bailout. Meanwhile, as her POA, I closed my mother’s long time accounts at a “too-big-to-fail” bank. I told the branch manager why. I opened new accounts for her with a state-chartered bank that was untainted from drinking at the bailout trough. I told that manager why. Years before 2008, I had opened my own accounts at that same state-chartered bank.