nostr:npub15nwfhkpm32zgh79m4v0f5em8kddm7sfve78y9x3epsphy00e6xnqy7r4nq

There will always be people willing to lend and borrow money at various rates. This creates a tempting opportunity to borrow money so that you can lend more out. But, now you've entangled the interests of large numbers of people and if some of them can't pay it's a big problem.

The "regulations" are about preventing this. That's all I was saying.