TBTF or Too complex to handle?

Simon Johnson is campaigning to eliminate TBTF but Paul Krugman is not that against TBTF(based on his blog posts).

My own though is TBTF leads to complex web and makes it hard to tell where the investor's money is landing. We start to see same thing with different wrapper without adding value to customer. We are not in market utopia, so as companies grow fairness comes down.


I think not having TBTF is a pragmatic solution.