I agree that there should be some regulation otherwise the suffering is widespread and economy becomes a yo-yo.
The idea is that same rules that Federal Reserve lives by should be applied on shadow bankers as their size has gown equivalent to central banks.
The whole world is facing inflation and bad stuff is on the horizon.
This could have been avoided and nation would not have been trending hard left if someone could have nipped the evil in the bud.
Human nature and national behavioral patterns are highly cyclical and easily charted, especially the United States. Since you are educated I doubt you need discourse on it.