The banks, from what I've seen, tightened up way too much post crash - they do need to loosen up the money to get things rolling. This does involve risk like anything else. However we know that people seem to be more aware of financial planning post recession, and of course G5's position, which is incorrect, is that "the government forced banks to make bad loans" which has been shown to be false over and over again right here, which explains why he still wants to insinuate that it's "Obamas fault".
What G5 of course didn't want to put in the quotes as it would make it less scary:
I agree to an extent although I think things are loosening some. But I think that Banks and other lenders shoiuld never allow lending standards to get to the point they were at prior to 2008.