The Morgan Stanley investment bank is considering merging with the Wachovia commercial bank. The point is for the investment bank to have lots of capital on hand in the form of consumers’ deposits. This would return the two back to their structure during the Great Depression, when the two split. Uh, oh, there’s the D word, and we’re not even officially allowed to say the R word yet! Let’s just say Wall Street is getting completely rewritten this week, and while it’s way too early to tell what this means to the average consumer, there will be repercussions. Blood, too, probably.