[betwixthewires]

> Allowing everyone access is not necessarily a good thing across the board.

Why not? Spare us the hard realization and explain to us why it is a good idea to deny access to complex financial arrangements to people.

And let's not get moralistic about it. I didn't ask "why should Mitumba in Nairobi be denied access to lending?" because I don't want to be moralistic, so I expect a response aside from "do you want to enable Osama Bin Laden to launder money?" We all know the obvious examples to support both arguments, so let's stick to more run of the mill, less extreme examples. Why should the average Joe be artificially restricted from access to financial services of his choosing?