I think banks should look at people`s history before they lend to see if he has ever for example paid a bill late or if they haven´t paid the bill of the restaurant....Also they should only lend money to people that aren`t going to use it for good things such as people with criminal records.
For example if Craig hasn`t paid athe water bill recently then they shouldn`t lend him any money because it means that if they lend him money then they aren`t gong to be able to pay it back but if it was long ago then they should lend him money because that means that now they might have a better chance of paying it back. Also imagine that Craig once ended up in prison and he has been released recently and has a high reoffending risk, then they shouldn`t lend him money in case he uses it for things that he shouldn`t such as drugs and weapons. But in case he had no reoffending risk then they should lend him because probably he already learned the lesson.
Also I think banks shouldn`t let people save their money in them if they`re not living in that country so that people don`t have bank accounts in Switzerland or other countries and it is easy to track. That way it will be harder for people to steal money.
BY ACCOMPLISHED MARKET