Overthrow the banks? “If America can reform its banking sector, it has a fighting chance at a prosperous future. If it doesn’t, it doesn’t.” Umair Haque argues for the bottom-up ‘overthrow’ of the biggest banks. “Banks are highly leveraged institutions. Were a relatively small percentage of deposits to shift to, for example, community banks or credit unions, megabanks would find it very difficult indeed to sustain the profit margins or market power they currently enjoy.”