I live here http://myvidster.fun/ myvidster.com  The basic point is straightforward. The large banks enjoy a massive taxpayer subsidy in the form of implicit insurance. Creditors believe that the government will bail them out if the banks get themselves in trouble, as was the case in the financial crisis. Because of this government guarantee, investors are willing to lend money to J.P. Morgan and Goldman Sachs at lower interest rates than they would demand from a smaller bank.