>On that basis people should "fix the cause" of bankers being untrustworthy rather than blaming government.
How to "fix" human nature is a question theologians and philosophers have been debating since the dawn of time. Since there is yet to be a viable solution we must work with what we can.
Most of the issues surrounding the regulation of banks and intelligent lending practices were solved decades ago. Don't "fix" what isn't broken.
Wine is sunlight, held together by water - Galileo Galilei
Un jour sans vin est comme un jour sans soleil - Louis Pasteur
Water separates the people of the world; wine unites them - anonymous
Wine is the most civilized thing in the world - Ernest Hemingway
Wine makes daily living easier, less hurried, with fewer tensions and more tolerance - Benjamin Franklin