> The harder that gets, the fewer businesses there will be. And at what point is it more important to have more businesses than it is to have more businesses t

> The harder that gets, the fewer businesses there will be. And at what point is it more important to have more businesses than it is to have more businesses that treat consumers fairly? Usury laws have eliminated some companies, reigning in student loan companies would probably eliminate a few more. But that's a balance deemed worth it because usury is predatory and harmful. Profiting by being lazy and sloppy with people's personal information where the risks (e.g. identity theft) are huge isn't a particularly well balanced justification for "more businesses above all else".