> But it's not necessarily true that all the regulations are fine because banks had bailouts. Of course all regulations aren't fine. The problem is they are a

> But it's not necessarily true that all the regulations are fine because banks had bailouts. Of course all regulations aren't fine. The problem is they are a necessary evil. Individuals don't always act with integrity; it's important that we restrict them by some mechanism to attempt to have them do so. On top of that, individuals can lose perspective easily when working in large corporations, where they focus on the bottom line of the Company and not the larger impact of their actions. This is why regulations/laws are necessary. In some cases regulations create defacto monopolies, because the regulations themselves act as a barrier to entry for new players. In these cases, regulations are horrible. They skew the market place, and have all sorts of other negative effects on competition (the healthcare industry is a good example of this). So there needs to be restraint when putting regulations in place. There is a balance, not all regulations are good, but neither are they all bad. Our government should be acting in our best interests to find a good balance there, and I agree with the article that because of the grid-lock it's not capable of doing that. Our political system has become entrenched on both sides, with little middle ground, for this we can blame gerry-mandered districts. To stay on topic though; The banks came out generally far ahead of where the American people did after the recession, which given the shenanigans they used doesn't seem fair (to me at least).