New management is important, and in this case Wells Fargo has had 4 CEOs since the scandal, and multiple board chairpersons. There has been significant turnover on its board and executive team. [2]
[1] https://www.spglobal.com/marketintelligence/en/news-insights...
[2] https://www.reuters.com/business/finance/wells-fargos-long-r...
In a $25T economy, 13 new banks (roughly 1 for every 4 states) effectively rounds down to zero. There is a trivial amount of new bank creation relative to the size and dynamism of our country and economy.
In a more liberal banking regime, one could easily imagine 2022 having seen 13 new banks chartered in the northern half of California alone.
Using this logic, in an infinitely large universe, your comment’s importance effectively rounds down to zero. Arbitrary picking economy output to measure regulatory regime efficiency is ludicrous.