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 Worse yet, Geithner preached the gospel of “financial deepening,” the idea that the U.S. needed super-sized banks to take advantage of coming growth in consumption of financial services by emerging markets. Why exactly emerging market consumers will want to spend new wealth on the kind of lousy financial products which nearly brought down the U.S. was never fully explained. Suffice to say that any financial deepening which includes the growth of finance in the U.S. as a proportion of the economy will only increase risk to taxpayers and do so, as it has for the past 25 years, without producing anything of commensurate value.