Senator Byron Dorgan explains it all.
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Too bad he goes to babbling a bit about privacy issues at the end of this speech, because John Dingell hits it out of the park ... with men on ... and then some ... during the 1999 debate on the Gramm-Leach-Biley Act.
Which legislation repealed those portions of the Glass Steagall act that seperated institutions that take customer's deposits from investment banks and insurance companies.
Too big to fail said Mr. Dingell in 1999.
Click on the above cartoon to link up to Khalil Bendib who I think is the above artist as I can't read the name ... at Otherworld.org