Karen, you're just repeating the same word salad statements you've used before that you copied from another commenter. It's dumb. You are literally arguing against something that is incredibly well-known and only you seem to deny. Dodd Frank prevented depositor money from being used on risky bets, as they could before the Volcker rule. There's nothing to debate. Yet here you are trying to. And it's because you don't even understand the basics.