The time value of money is a sort of aggregated greed, I suppose, and the time value of money is the motivator for finance. But the financial system is also sha

The time value of money is a sort of aggregated greed, I suppose, and the time value of money is the motivator for finance. But the financial system is also shaped by regulation, and the psychology driving regulation in a democracy is more complex than a hunger for money. People have a sense of fairness and practicality. Why is FDIC depositor insurance capped, for example? Why are banks required to give special treatment to loans to deployed armed service members?