I feel in a country that broke up Ma Bell, took Microsoft to court (& prevented them from absorbing Intuit) and (long ago) trust-butsted Standard Oil, the government should use policy to encourage practices that best suit consumers and competition. Monopolies and juggernauts should be discouraged especially where practices ultimately lead to reduced levels of home ownership and household savings. This, of course, also requires consumers to take their medicine and not stretch themselves too thin on somebody else’s money.