It's a good question. This is only my interpretation so it's quite anecdotal, but the banks have taken a position of principle on this and they aren't going to defer to anyone if they don't have to. Their position is one that's very simple to understand.
Who is the biggest beneficiary from having a stable sector to lend to? It's the banks. The U.S. process turned the wild west into a stable environment, and hence, one would assume you would have the same thing here and the cost to growers would not go up.