The loans of a bank are its product. The forced loans to poor are just a lost leader product. These loans will have negative profits and must be compensated by

The loans of a bank are its product. The forced loans to poor are just a lost leader product. These loans will have negative profits and must be compensated by having loans that are profitable. This is just a government wealth transfer program and at worst would cut into the profits of the banks. If the banks were profitable leading up to the crash then its still the banks responsibility. The government is allowed to force these rules because the banks are allowed to create money out of thin air.