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do have an idea for them. If they are truly focused on being a non-predatory bank, they should offer an ultra-low-cost, fiduciary financial management program that focuses on educating people about how to save money for retirement works. Then for those that want it, offer to invest the money at low expense, highly diversified index funds. People getting robbed blind by actively managed funds is something that affects too many investors.

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Right. It will be interesting to see the negative repercussions. Interest rates will have to be higher due to all the high-risk lending which will inevitably result in higher foreclosure rates which in turn will result in even higher rates. Vicious circle which will put this bank out of business within 5 years. Eventually, this bank will be hated as much as any other bank. Seems like a bad idea.

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