Interest rates on credit cards are high for a reason - they're a high risk loan. People that carry credit card debt are at high risk for declaring bankruptcy. The system is working correctly. Meanwhile, I love my bank. Free checking, great service. Interstate competition in banking has been fantastic. I've got 6 separate banking options within walking distance of my house. 2 national, 2 local, 2 credit unions. Heck, there are only 4 liquor stores in walking distance.
In any event, separating health insurance from employment is a great thing. I know so many people who are afraid to leave their jobs for something better because they have some sort of long term health issue that they're afraid won't be covered if they end up on a new plan.