The most obvious form of accountability is the return on investment for bankers and collateral for borrowers. If you're so intolerant of risk, you should stick to investing in cash and T-bills.

The concern I have is for ignorant and timid borrowers getting hoodwinked by slick lenders and agents. Still, truth in lending documents won't protect risky individuals from themselves, and neither should we. It wouldn't be fair to borrowers who take those risks and succeed - unfortunately those people aren't mentioned above.