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The correct answer highlights that all the listed points are indeed criticisms associated with granting industrial loan company (ILC) charters to commerce companies.

The separation between commerce and banking is a fundamental principle in financial regulation aimed at preventing conflicts of interest and ensuring that financial services are provided by institutions that specialize in banking. Critics argue that allowing commerce companies to obtain ILC charters blurs these lines, potentially leading to situations where financial decisions are influenced by non-financial interests.

Concerns about the potential dominance of large firms arise from the fact that if commerce companies are granted banking powers, they may leverage their market position and financial resources to outcompete smaller banks. This could reduce competition in the banking sector, leading to fewer choices and potentially higher costs for consumers.

Lastly, the assertion that ILCs may not be subject to the same comprehensive regulations as traditional commercial banks raises significant worries. If these entities operate with less oversight, it could lead to increased risks within the financial system, as well as undermine consumer protections that are typically in place for traditional banking institutions.

Hence, all these points reflect significant concerns surrounding the intersection of commercial enterprises and banking regulations, making it clear why the answer encompasses all of them.