I agree fully, and as I commented above, I don't personally believe this is a place for banks to be for that reason. It's shoehorning a profit-focused entity al

I agree fully, and as I commented above, I don't personally believe this is a place for banks to be for that reason. It's shoehorning a profit-focused entity almost as a charity in my eyes. It incentivizes banks to go after borrowers as if they were a failed business when in reality they're just trying to improve themselves (which is good for all of us).