When dealing with large companies, have you ever felt you were living through a scene from a Seinfeld episode?

In January Wells Fargo (WFC) completed a majority of its integration with Wachovia, and I fear it will take years working out the bugs in the system. I say this because I am a major client, shareholder and trader dealing with the company on numerous levels, and the past few weeks would be comedic if not so infuriating.

As the Senate moves forward with passing its landmark financial reform bill, it has at least reached an agreement on one important component -- the "too big to fail" provision. The Dodd-Shelby accord was supposed to include a proposed $50 billion fund, paid by large financial firms to cover the costs of break up firms when they get in a bind.

There are several other proposals and provisions still being discussed. A proposal by Blanche Lincoln calling for banks to spin off their derivatives business is losing steam, but it is still on the table. Let's not forget that it was the wild speculation in derivatives that caused our financial meltdown. To do nothing on this issue borders on irresponsibility.