Retail banks were on the front lines making the liar loans that got everything started. Investment banks wouldn't have had any bogus mortgages to bet on without retail banks originating them.
The decision to use GS is highly dilutive to Apple's brand.
I get that you're trying to tell a morality tale in order to determine who the bad guy is, but there wasn't "a bad guy" causing the last recession. "Retail banks were on the front lines making the liar lones".... and millions of creditless idiots were buying houses they couldn't afford.
You don't need the ball when the chain wraps around the whole world.
My point is that "much more regulated" retail banks don't behave any better than the other players in the financial system. That's not a morality tale it's a fact. If the financial crisis didn't convince you certainly Wells Fargo should have.
The decision to use GS is highly dilutive to Apple's brand.