I think there is a bit of a myth out there that global banks are "more safe" today than they were pre-2008 because the banks are more regulated. They are more regulated, that much is true, but what is also true is that banks are WAY BIGGER today than they were pre-2008. And more importantly, the new regulatory regime effectively puts all of the risk on the Common Equity holder...so if there is a "triggering event" then the Common Shareholder bears all of the brunt (not taxpayers) as a cascading waterfall from more senior parts of the capital structure convert to Common Equity on a ratio basis that is very dilutive to the Common Shareholder. This is a pretty complex regulatory regime that requires work/research to comprehend but, to be sure, it has changed the risk-reward skew on global banks since 2013. It has effectively made them more volatile...and we hate volatility, for the most part.
So how big are the US Banks now? Big. 2008 was just a blip in their overall asset size growth. What's in there?...Loans, leases, Securities, Real Estate, Revolving Home Loans and even Government bonds (a good asset). With interest rates plummeting and the yield curve flattening (neither are good for banks), the banks drive for profits elsewhere. In general, they make more loans. US Bank assets have gone from around $10 trillion pre-crisis to almost $16 trillion today...+60% growth.
How about Auto Loans? Now some auto loans may have been securitized (takes the risk off the bank's balance sheet as investors buy the securitized loans) but we know the securitization markets are still no where near the size they were pre-2008. How much is still on their books? I am trying to find out but for now, Motor Vehicle Loans have gone parabolic at now over $1 trillion: