"Everybody talks about the weather, but nobody does anything about it," the saying goes. Likewise, bankers frequently complain about the actions of federal and state lawmakers but do little to avert such actions.

True, there are problems in getting sympathy for an industry that not only lends money but also actually wants people to pay it back. Far too many think that banks are public service organizations whose job is to hold money, pay interest on it, and then give it back immediately - without charge.

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