You 'market forces guys' are a bit of a joke.
A lack of regulation decimated economies after the 'market forces' led to the GFC.
APRA rules ensured that Australian banks had little exposure to the products on sale.
US Government intervenes and protects US banks from falling.
When it suits - intervention is good.
Further - you have no understanding of accountability / responsibility in the instances we have 'discussed'. None.
And the delineation is that If I pass legislation, I have a responsibility to track the implementation and effects of that legislation.
Pretty simple concept for most.
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