Lessons from Reagan's Savings and Loan Crisis?

I don't see why all savings and loan accounts need to be under one system of regulation. I don't see why anyone other than the owner of a given savings and loan account should have a vote on the management of the system of regulation for that account. I don't see why anyone who doesn't have a savings and loan account under a particular system of regulation should pay anything toward the cost of maintaining that system.

When a particular system is paid for via general taxation, an arbitrary voter gets to impulsively react to rhetoric and mess things up for everybody. Is it really worth it? Why not divide up taxation and allow people to opt in or opt out of paying taxes toward a particular system by choosing to belong or choosing to not belong to a particular system?

Dividing government into a legislative, judicial, and executive branches is a way to avoid rule by one person over everything. However, there are plenty of problems that can arise even if one person doesn't rule over everything. Why not divide things up a lot more?