Wondering Out Loud about Goldman Sachs and Morgan Stanley (GS, MWD)

Is it likelier that GS and MWD will implode from too much risk taking, leaving the investment banking market wide open to the jumbo commercial-investment banks, asks Daily Dose of Optimism, or...

...that GS and MWD will be fine; the giants will be broken up due to slow-to-no growth and bureaucratic bumbling, leaving GS and MWD comforably perched atop the pyramid?