What difference??? You think banks are doing this because they are gonna lose money? This deal is trying to save the banks from losing a heck of a lot more money. And beside, the theory that banks are entitled to make "x" dollar is not how things work.
I guess you missed the post last night in which British Bank(s) were seen to keep fixed rates high to compensate for losses in ARMs. Same deal. No one said they were entitled to a given rate of return but their shareholders expect it and rating agencies expect it. Any less and its a disappointment and downgrade. Spend more time reading and lay off those weekend cartoon shows.