Well it should get pushed to consumers. If you want to bank with what amounts to an investment firm (due to their risk taking), then you should expect higher fees for their services.
Most average citizens dont see (or utilize) banks in that manner, and shouldnt have taxes passed through to them for run-of-the-mill banking services, which are MORE than paid for through service fees and charges.
Correction Mr. President, I DID build this, and please give Lurker a hug, we wouldn't want to damage his self-esteem.