It’s a cycle. 1933; Glass-Steagall Act; passed in 1933 to avoid another major banking crash. 1999; Gramm-Leach-Bliley; repealed Glass-Steagall. 2008; financial crisis & bailouts. 2010; Dodd-Frank. 2018; Economic Growth, Regulatory Relief, Consumer Protection Act; basically repealed Dodd-Frank.