Retail has been facing quite a struggle as of late, particularly small retail businesses. It doesn't help when the larger companies can use their power against the small fry.
In the U.S., the "Glass-Steagall act" prevented, at least to an extent, financial gamesters from pirating the economy, by limiting some of the ways that the economy could be robbed and exploited. Then they effectively repealed Glass-Steagall, and the financial system was rigged and played to the point of breakdown. Then they supposedly implemented some "controls," but nothing stops them from just turning around and "repealing" again, then robbing, cheating, stealing and crashing the financial system again.