<i>It&#x27;s about banks looking for higher rates of returns in riskier markets and doing dumb things with their money.</i><p>It&#x27;s not their money, it&#x27;s <i>our</i> money. That&#x27;s what this is all about: moral hazard[0].<p>[0] <a href="https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Moral_hazard" rel="nofollow">https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Moral_hazard</a>