Please tell us what you believe are the major flaws in the American banking and

Please tell us what you believe are the major flaws in the American banking and financial system, and what it is that we as a nation should “fix” them? Long-lasting “fixes” to problems require a good understanding of thei underlying causes. So please also describe what you believe are the “root causes” of the flaws in the system that you indentify.
Examples in the PDF with more instructions
PLEASE REFRENCE THE BOOK MULTIPLE TIMES IN THE RESPONSE. I ATTACHED A PDF OF THE BOOK REQUIRED.