Giant Wall Street banks continue to threaten the wellbeing of millions of Americans, but what to do?

Bernie Sanders says break them up and resurrect the Glass-Steagall Act that once separated investment from commercial banking.

Hillary Clinton says charge them a bit more and oversee them more carefully.

Most Republicans say don’t worry.

Clearly, there’s reason to worry. Back in 2000, before they almost ruined the economy and had to be bailed out, the five biggest banks on Wall Street held 25 percent of the nation’s banking assets. Now they hold more than 45 percent.

Their huge size fuels further growth because they’ll be bailed out if they get into trouble again.

This hidden federal guarantee against failure is estimated be worth over $80 billion a year to the big banks. In effect, it’s a subsidy from the rest of us to the bankers.

Clinton's newly unveiled plan puts her approach to Wall Street reform squarely at odds with her rivals for the Democratic presidential nomination, Sen. Bernie Sanders (I-Vt.) and former Gov. Martin O’Malley (D-Md.). Sanders, for his part, has given his support to the 21st Century Glass-Steagall Act, which aims to "reduce risk in the financial system and dial back the likelihood of future financial crises."

Explaining her plan in a Bloomberg op-ed, Clinton writes that she would "increas[e] resources for the Department of Justice and the Securities and Exchange Commission to investigate and prosecute executives for financial crimes;" "strengthen and enforce the Volcker Rule so banks can’t make risky and speculative trading bets with taxpayer-backed money;" "give regulators the authority they need to reorganize, downsize or even break apart any financial institution that is too large and risky to be managed effectively;" and put a tax on some high-frequency tax trades.

CNN Money reports, "The reaction [to Clinton's plan] from the banking community was a shrug, if not relief."