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How did that work out in 2008/2009? Not that good...
When you say, "How did that work out", by "that" you can't possibly be referring to my suggestion. You can possibly think that anything I suggest is in any way being implemented now or in 2008, can you?
The government doesn't, as I suggest, simply enforce contracts between depositors, banks, borrowers, lenders, etc. It interferes in myriad ways in the banking industry.
And how did THAT work out in 2008/2009?