I'm not sure that this is good or not... it seems to me the lending structure of the Federal Reserve itself needs reform, as well as general banking regulations

I'm not sure that this is good or not... it seems to me the lending structure of the Federal Reserve itself needs reform, as well as general banking regulations in the US to probably be closer to Canada (similar to post great depression US before massive deregulation). I'm not one for excessive regulation, preferring a more Libertarian pov. The Fed makes the entire process and incentives just lopsided imo. Right now, too many people that would like to move are simply stuck in place, including myself, as trying to sell/move is impractical as buying in another area, owing the same amount even, would be 2-3x as costly because of interest rates. The current state seems to disproportionately affect individuals over larger banking institutions.