I think it is time that some of these banks get broken up.
Along with social media giants, online retail near monopolies, etc.
Facebook, Google, Amazon, come to mind.
The oils and railroads were broken up long ago, for reasons of unfair competition, monopoly, etc.
In this case, other banks can lend.
In the case of Facebook, there is no alternative of any significance, that I know of.
Facebook is apparently able to amass huge volumes of data on the target of advertising (their users) and then sell targeted advertising. Vertical integration.
When oil companies were broken up, it was for vertical integration--eg. from the wellhead to the gas tank, and everything in between.