The Credit Market Is Manipulated
Giant American banks said they had to be bailed out or else the American economy would crash.
As we noted in 2012, small banks are much more interested in making loans to the little guy than the TBTFs:
USA Today points out:
Banks that received federal assistance during the financial crisisreduced lending more aggressively and gave bigger pay raises to employees than institutions that didn’t get aid, a USA TODAY/American University review found.