they are filled with lawyers compliance departments. antimoney laundering rules, know your client rules are huge. they all want to help people. if banks are processing loans for people they know nothing about, they haven t done their due diligence on then the treasury isn t going to make them hole or two years from now when the regulators come in and say bank of america and chase, i m going to need you to detail all these people that you extended these loans to. who were they? were their businesses real? these banks would get major fines. they could lose their licenses. the problem is secretary mnuchin while he may have the best of intentions but standing up there like oprah winfrey, you get a car. that is giving banks a tremendous amount of false hope when they are in state of panic. you get a car is way less exciting if in the end you don t get car. correct.