A hockey coach once said, "Last year we couldn't win at home and we were losing on the road. My failure as a coach was that I couldn't think of anyplace else to play." Before the financial crisis, the banking industry was too concentrated and clubby. Now, many argue that it is even more so, especially since not only are many banks going out of business, but Chase, Citi, BofA, and Wells are actually becoming larger. And it is not as if the big banks are trying to boost their customer service with...