Debt collectors and banks? They shouldn't be robocalling. Those situations are where they have a pre-existing relationship with the person being called, and aren't cold-calling anybody.
Robocalls are the telephone equivalent of spam. Why is it I can put a "No solicitors" sign on my door, but my phone must be subject to cold-calling from telemarketers, solicitations for "charities" and political groups, and any scammer who can operate a telephone? And they want to make it easier to bother lots of people at a time by allowing robocalling?
If anything, every telemarketing call should have to be hand-dialed, etc., no computer assistance. Think of the jobs that would be created.... Do it for the economy.
I wonder how soon the phone companies will work out a deal to let telemarketers call the phone customers, for a fee - because we know how much they care about the customers.