Safer Lending should be in every Bank because if we don't have safer lending we will have another crisis and I'm pretty sure everyone doesn't want another crisis. This means that Banks can't just lend to anyone. They have to check that it be paid back. For example, they should check that people hacve re-paid loans in the past, so they are trustworthy.
Banks won't run out money ever again.
people won't have to do something they can't becuse people will be checking the history.
It will be less risky and everyone can be happy. The money will go to the right people for when they can pay.
In my opinion, Bankers shouldn't get bouns for making money out of risks because they will make more risks which will lead to a bad risk which happened in the financial crisis that is why Bankers shouldn't get bouns. If we stop giving Bankers bouns then 35% of peole will stop living on the street and then 11% of peole will stop living on the street.