Surowiecki has a couple of articles looking at banking and debt. He wonders if the crisis has meant that banks have become bigger, or at least the ones that we feel comfortable using.
Seperately, he suggests (and I think rightly) that we are predisposed to use debt (both companies and individuals), so having government policies that push us further in that direction isn’t particularly helpful.
In both cases, additional regulation would make sense, but in a counterintuitive sense: we should regulate to be agnostic as to, e.g., debt and equity, big banks and small. That way we can let an ecosystem grow, rather than try to drive evolution down a path we think we understand.