Socialism is caused by bad parenting and laziness.
Maybe it is.. However I think it's actually a learned behavior which is systematically taught though the public education system and under the guise of "not being selfish" and "fairness".
Kids are born understanding capitalism in it's unbridled form. Just watch a group of 2 year olds interact. They have the base concept engrained in them.... I want MORE than you...
The problem is socialism doesn't work for the very reason why 2 year olds act like they do, folks want more but don't want to work for it. It's human nature and it cannot be suppressed enough for socialism to work. It can work in a capitalistic society though. One just have to add the concept of hard work being the means of getting more and that "fairness" is defined as equal opportunity, not equal results and you are there. Those are concepts that many adults don't understand these days... But time and the wisdom that comes with it may fix that.
There are over 8,000 financial institutions in the US right now. I guarantee that if you look locally, you will find a community bank or credit union that meets your needs and provides all the services of the "big guys."
What a silly remark! The Dalles, Oregon, is a prime example where one of the community banks failed and the other community banks and credit unions to not come close to meeting my needs.
The reward for working hard is more hard work.