what i believe people have a hard time understanding is that there is no such thing as “too large to fail”.

Well, I don't think people generally think that literally anymore. Nowadays what it ends up meaning is that if the company is such a monolith central to modern life, it can make the stupidest decisions imaginable and simply be "propped up" by sucking money out of our pockets.

Less "They're too big to fail" and more "They won't let it fail, even if it should."