In order to create a favorable environment to promote cross-sector operation, one need to properly understand the current situation and history. It is not easy to properly understand history. For example, in the aftermath of the Great Depression in the U.S., the 1933 Securities Act were adopted to provide for separate operation of the securities, insurance and banking sectors.
But many years after that, efforts of revisiting the Great Depression found many other explanations of the crash. One of the conclusions is whether the financial sector was divided was not a fundamental factor contributing to the Great Depression, and consequently, the 1933 Securities Act was an misinterpretation of the history.