Thanks to its fake-accounts scandal and several other issues with its corporate culture, Wells Fargo has underperformed the Financial Select Sector SPDR ETF (NYSEMKT: XLF) by a staggering 94 percentage points over the past five years. Wells Fargo doesn't care if trading volume or IPO activity drops as the global economy normalizes. We all know the Federal Reserve plans to keep its benchmark rates low, but if inflation starts to heat up due to all the stimulus that's been injected into the economy, it may not have a choice.