Which of the following are reasons why commercial banks have been consolidated over the past few decades in the United States? Check all that apply. Diseconomies of scale make it so banks incur lower average total costs as they expand. Constant returns to scale make it so banks incur lower average total costs as they expand. Economies of scale make it so banks incur higher average total costs as they expand. Economies of scale make it so banks incur lower average total costs as they expand