I'm not a fool, but I do still do business with BofA. Since you're apparently hip on using insults to get your point across, I don't feel bad calling you naive. Your little vote-with-your-dollars speech is quaint, but it completely ignores the fact that there is no "vote" to be counted.
There is no alternative here. All the banks are engaged in this bullshit. The state banks, too. Credit unions. Want to keep your money in some alternate investment? Great, you can be fucked over by companies like Vanguard or TDAmeritrade.
You also don't have a vote in the sense that these financial services companies don't need customers to be profitable. In fact, they're learning that it's sort of easier without the customers. Banks can stop managing other people's money, and get low-interest loans from the Federal Reserve, which they invest in commodities, stocks, or some other investment that is being propped up by the international finance cartel. So, taking your $100k out of the bank will make no difference to them.
What about just not investing in anything? Great ... do that, and your money will disappear before your eyes. Have you ever asked yourself why inflation doesn't average 0%, over long periods of time? Why does it always seem to be above zero? It's because that's the finance cartel's way of ensuring that you use their services, in one form or another. Over time, you'll still usually lose money, in real dollar terms. But, less than you would if you just kept your cash under the mattress.
(Please, no idiotic replies about how some stock index has outpaced inflation over time ... if you believe the validity of either of those published numbers, then you're a lost cause).
So, until you realize that our societal tolerance of these finance leeches has led us to a position where we're essentially powerless to do anything, your market-based democracy is going to be utterly pointless.