All this while, bankers from large commercial banks are the key figures in the financial industry. However, this situation is changing in America. ANBOUND think tank scholars believe that over the past 300 years of development history, the commercial banks have been effectively support real economy and pursuit profits. The two are contradictory at most of time and the banks will usually choose to pursuit profits. The security issues of huge volume of savings are making it hard for the traditional banking industry to meet financial innovation and emerging needs. The rise of non-bankers not only can solve "too big to fail" problem, but is also a more recommendable development direction of diversified finance in the future.