By making lending safer we can stop another financial crisis from occuring. It will stop people from taking loans from the bank and not paying them back. The banks won't lose money and get closed down. People won't lose their homes and have to live on the street. Businesses can restart with a safer lending system, the person who wants to start the business can take out a loan and have a certain amount of time to start getting money from working, to pay it back. Everyone will benefit from safer lending.