Congressmen of America and parliamentarians of Europe, here are two “Even though” questions on current bank regulations

Even though, those who are perceived as risky, let us, for lack of a better term, call them “The Risky”, get smaller bank loans, must pay higher interest rates, and accept stricter terms, all in line with Mark Twain’s perception of bankers, “he who lends you umbrella when the sun is out and wants it back when it looks it is going to rain”, and have never ever been the cause of a major bank crisis…should they have their access to bank credit made even more difficult by the bank regulators? 

Even though, those who are perceived as absolutely not risky, let us, for lack of a better term, call them “The Infallible”, get huge bank loans, ate very low interest rates, and with very soft terms, all in line with Mark Twain’s perception of bankers, “he who lends you umbrella when the sun is out and wants it back when it looks it is going to rain”, and have never ever been the cause of a major bank crisis…should they have their access to bank credit made even more easier by the bank regulators? 

If you respond “Yes!” to the two previous questions, you're fine and dandy with what the current bank regulators, like the Basel Committee for Banking Supervision and the Financial Stability Board are doing. If not, you better have a closer look at what’s up. I tell you, you will be surprised and extremely upset.