That is fine. But when enough banks do that and fail to the point that they drag the economy down and everyone else along with it, that then becomes the business of everyone. (Government.) This is not proactive legislation. It is reactive. The financial industry proved they could not self regulate. They proved that they are incapable of keeping their own house in order. Had they been able to do that or at least fail and not inflict massive collateral damage on the way down, this would have never been even debated.