Require Too Big Too Fail Banks spin off into units controlling assets less 1% GDP

At Banks, the Buck Stops Short describes the Wells Fargo cross selling scam which as an investor, such as Warren Buffet, is very telling for the following: Aren't there profitable win win banking opportunities to be pursued?  There is a crying need for inexpensive money transacting systems and not for more bricks and mortar outlets in high income towns. The Federal Reserve would be doing a favor to Too Big Too Fail banks by requiring them to spin off into portions controlling assets of less than 1% of gross domestic product, roughly $200 Billion, so that they aren't too big to fail. Consider John D Rockefeller's observation to shareholders when his giant Standard Oil was broken up in 1911 that the pieces would be all together more valuable than the original whole because the favor would come from, in the bank's case, the focus management would have on real business instead of bankrupting schemes to diddle customers and pay themselves bonuses for having done it.