Well, the luck comes in with the cost of money being decided by the market.
The big firms not getting special loans almost directly from the Fed.

If this was the case, than the big firms couldn't monopolize anything, because when they tried, they would move the market against themeselves.

But, we really do not have anything close to a perfect capitalist economy.
Black rock gets special deals (yes, they were sold those devalued house assets under market value, and were given a sweetheart deal of a loan to buy them.)

I too believe that the black rocks will cry, and be given money, for doing what they set up in the first place.