Friday night on Real Time, Bill Maher, Andrew Ross Sorkin, and I discussed Move Your Money. Andrew liked the idea, but worried that it might cause a run on the too-big-to-fail banks. It won't. But it's clear from what's happening in Washington that we need a citizens' intervention to reform our financial institutions. Creating a de facto Glass-Steagall by separating our government-guaranteed deposits from the casino/investment side of the banking industry is a great start. More people are reaching the same conclusion. A new poll found that 9 percent of Americans have already moved their money out of a big bank as a protest. And the Los Angeles City Council voted unanimously to require any bank doing business with the city to reinvest in the community. It's about time citizens and local governments inject some much-needed competition into our increasingly oligarchic banking system.