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Yet most of the things you list, we regulate. We control how fast people drive. We control safety devices on cars. We have food laws. We don't have to ban any of it, we just have to keep people from taking advantage of others.
Loans are regulated as well. Part of the problem was a government that strong armed banks into giving loans to minorities that the banks didn't want to give (for financial reasons). So the banks did it, but to be fair they had to apply the same standards a crossed the board. So everyone was eligible for loans they couldn't pay back and they were dumb enough to take them. Deregulation, in this case, would have made home loans safer.