This trend is a sign of the times and should be noticed by everyone in every industry. Politicians and economists need to also take note here. Competition is the corner stone and counter-balance to any free market economy. In this case, the system has the potential of working itself out. Smarter consumers will move to the competition (i.e. credit unions) when the large banks don’t take care of their customers. The problem is that we are not seeing enough of this in other industries and across the board. Our economy has lost its competitive nature because we have allowed too much consolidation in various industries and there are not enough new start-up companies that can replace the ones that are getting bought-out. Lack of competition is what is killing the free market economies around the world. Entrepreneurs! Where are you? See the opportunities and take advantage of them!