Imagine a carpenter without a hammer and nails (aka capital).
Are banks profit oriented? Yes. Does government create perverse incentives? Yes.
You have to understand, Blue and Bubba, that economics happens at the margins. A single marginal shift pulls the market that way. Just a small change in lending practices creates a winner take all effect that forces competitors to follow suit.
Now in a free market that leads to innovation, change, destruction/creation and improvement sustained over time. In a centrally planned market or one dictated to by bureaucrats you get a political solution that leads to skewed results, losses being borne by the public, and profits going to cronies.
Bluewater’s very liberal response is a call for more better regulation. It’s a tell that separates liberals from conservatives. Mark BW2015. He’s a liberal and perhaps a troll.
Your response was kinder than mine, what went on w/ me was that all too often people separate into groups of those like us who do things, and others who complain. Sure, mere complaining shouldn’t be a problem but beside the irritation factor there’s always the danger that complaints evolve into attacks.