That may be the case now but that is why Jaime Diamond was calling congressmen last week so he could begin to do business the way he did it prior to Dodd Frank.  Maxine Waters brought this to the Nation's attention last week.

normally you get to say "I have fucked thousands of women over forty years, I know" and here you get to say "I drill oil for a living fucker!" lol!  

Technically, nothing threatens the banks.   Our government and the FED have made it crystal clear that they will backstop the banks regardless of what they do.   They make money, then they get tremendous bonuses.  They fuck-up, the American public takes it in the ass in various ways, some of which most of the public does not even understand.  Great business model!

You are right, the amounts of money are much smaller but when these chain reactions start, money dries up, margin calls come, counterparties fail, etc. etc., there is no telling how far things go.  This is also not just any industry, this is THE crucial industry in our economy, particularly over the past decade, I don't need to tell you that.  

Remember LTCM in 1998?    The bankers were shitting their pants because they were afraid of what the failure of that single hedge fund would mean in terms of cascading failures.  This is not just about banks per se and I sincerely hope that I am wrong, because my lips are firmly planted on the corporate teat.  The next year will provide the answer...