The textbook authors discuss the idea that traditional banks may be dying. The argument states that some authorities believe that traditional banks still exist only because governments subsidize them with cheap deposit insurance, while other authorities argue that banks are being "regulated to death."
Find a relatively current article that addresses one side of this issue; provide a brief review (a paragraph or two) of the article's content; and then add your opinion on the concept that banks may be dying. The article chosen should be AT LEAST 12 paragraphs long and less than 3 years old.