The emergency-interest-rates-for-10-years regulator? The ones who just set the big interest leaver from "free money for idiots" to "drive the economy into the ground" to trigger all the excitement this year? Or is it a different regulator for banks?

These regulators are the ones driving the market to take these stupid risks, they slowly drive out anyone who tries to make sane decisions by giving handouts to people who insist on setting their own money on fire. They're systemically removing the major incentives for people to think before acting.

There is an easy, sustainable path to a robust system here that creates wealth - stop making prudent investors pay for the reckless risk takers. That means we don't just pay out people who give no thought at all to what their money is funding.

Adorable. You know it's regulators that are declining banks with 100% backed deposits?

Regulatory capture is more dangerous than no regulations because of naive people who dont see the graft despite it getting worse every year, decade after decade.