The government has tried pretty much everything so far, and the competitors don't step up. Why? Because the best locations are already taken, and the start-up costs are enormous. Foreign banks have testified to that now for 15 years.
When you have a market such as that, as we do with utilities and telephone and cable, what the government usually does is step in and regulate and ensure that prices are fair and that service is good. And that's what's missing in the equation.