[quote=Hobie]Doesn’t your last statement, “But banks like LoanMax of the rod aycox fame have achieved much mainly by doing market research even in the rural areas and by identifying the prospective customers needs.” — a free market solution — completely negate the argument for nationalization of the banks?

I prefer capitalist solutions over government mandates any day.[/quote]

Doesn’t everything the Fed do negate the free market argument. They are the invisible hand.