Please note that the Dodd-Frank bill that was supposed to enhance accountability amongst investment banks to ensure against another crash like the 2008 one ended up virtually toothless due to the influence of the lobbyists, who, paid millions by the financial services sector, descended en masse on Washington and ensured, among other things, that Glass-Steagall wasn't reinstated (which would have strengthened the Dodd-Frank bill considerably) and that needed stringent regulation wasn't passed.
This was whilst the Democrats, if I remember, held the House, Senate, and Oval Office.
The failure to put the fear of God into the financial services industry blew one of the most important opportunities of the last 20th century, as income inequality rose across America AND Britain, and it was, shamefully, defended by the likes of liberal leftie Paul Krugman.
Anyone trusting that the Democrats will do anything for the Great Unwashed that risks their links to Wall Street (google how often careers in Congress close with the original holder of office far richer than s/he was when s/he was first elected) and big campaign donations and special interests is in denial.
This is where the real holdup is. People are being deflected from the matter by being directed to see everything through the lens of race, identity politics, misogyny, police reform, trans rights, removing statues, flags, etc.
The inequities of America's (and Britain's at this point, I must acknowledge) education system, and money in politics, and the cost of health care due to those same lobbyists, only for a different industry, are where America's real problems lie.
The rest is all smoke and mirrors, but they do keep the Great Unwashed and the race-obsessed editorial board of the New York TIMES nicely occupied.