The UN first has to acknowledge that a genocide is taking place.

The “big five” banks in the states actually represent less than half the American population, whereas the major banks in Canada cover about 85% of us. (Note these numbers are from before the pandemic - I’m no longer involved in the banking industry.)

The US system is still incredibly fragmented, though a lot of consolidation is happening (yay oligopolies). Canada, on the other hand, has had stricter regulations for longer, which meant that even the 15% of Canadians with small banks and credit unions were included in the changes to the industry as they happened.