Comment Re:this is one more reason (Score 2) 136
It's about avoiding unnecessary risk.
It's about having your cake and eating it too. Banks and credit card companies have succesfully integrated themselves into the society so it can't function without them. They're too big to fail, and can thus take insane risks and the profits associated with them, secure in the knowledge they'll get saved on public dime should those risks turn sour. So why should society not force them to pay the price: make them serve the public good even when that's not in their personal best interests?