I hear you flu, but… after a 15-year period during which credit was clearly WAY under-priced across the board, should we complain about it when someone – particularly a bank that owes We the People a lot of money – starts to price in risk in earnest into their credit products? I agree that’s a high rate. But imagine how much better off we’d be right now if BofA and their ilk had starting charging rates north of 30% a decade ago.