Treasury at least knows what it's talking about. The Congress (whom they're asking for legislation here) not only won't understand any of this, but worse, will

Treasury at least knows what it's talking about. The Congress (whom they're asking for legislation here) not only won't understand any of this, but worse, will write whatever laws big bank lobbyists want them to write, with the primary intent to make all of this non-viable for anyone but Goldman Sachs and JPMorgan through regulatory capture. I'll leave it to you to decide whether this preferential treatment is better than the current lax regulation.