Now Rick, you're just being incorrigible
I disagree.
If the average Joe was actually treated on par with the Goldman Sacks CEOs, he'd be able to borrow from the government at the Discount Rate of
0.150 percent.
Rates On Treasury Bills Mixed At Weekly Auction - CBS News
Instead, the average Joe is forced to pay all the middleman costs of private banks: RE overhead, extra processing, bonuses, bailouts, etc... All of these are not part of the true cost of the loan.