And when a market doesn't take care of itself the people are the ones to suffer, no matter which party they are part of or voted for. Mortgage industry was sel

And when a market doesn't take care of itself the people are the ones to suffer, no matter which party they are part of or voted for. Mortgage industry was self-regulated and politicians just balled out the bad actors. It is about "finding" simple and reliable regulations, since there is no true "etched in stone" regulations. Regulations have a shifting baseline. Say 100 fish are in a lake. Regulate that only 20 maybe harvest a year. This goes on for 10 years and in the 11th they are all gone. Write once regulations do not account for changes in the environment / market environment.