In the U.S., banks are obliged by American law to reinvest some of their profits within the communities from which they were harvested. Sounds reasonable enough, but the Canadian Banker’s Association seems to think that applying this same logic to Canada’s chartered banks is 2/3s of a communist takeover all in itself. Hmmm . Can banx change? That’s the wrong question. The right questions are What would possibly make chartered banks change while they’re being guaranteed astonomical profits? And Why would they agree to changes when they own the government?