The function of banking is to bank. "Affordable" plays no role in anything except politics.
For any good or service there is both a supply of it and a demand for it; one has no idea how affordable or unaffordable that good or service is going to be. Moreover, when profits rise, that sends a signal to would-be competitors, which will increase the supply, thus driving prices back down. If this isn't happening, it's a good indicator that the market for that good or service isn't "free" enough, i.e. it's too regulated...
...and yet Mr. Sanders wants to regulate it even more.![]()
Same old tired argument of deregulation, it DOESN'T work, we can look at the last 30 odd years as proof of what you get when you deregulate: crony capitalism and monopolies. In fact, in your perfect free market system would you even have an institution like the federal reserve? if the federal reserve can lend out at a discount rate to the commercial banks... why can't banks provide affordable loans to everyday people?

Just some half ass look we lifted a regulation or two here.... wait for it to go bad... oh look the free market has failed. 







