However, that data doesn't say that...18 to 49 are incurring debt more than what they require. My problem is that, when people come and propose that we need to pass new legislation or regulations—just to safeguard the interest of, say, 5% or 10% who are incurring—we are creating red tape that affects 90% of consumers.
While the regulations for us sound good and it looks great that we are trying to regulate, we are trying to manage the affairs of individual Canadians: That is a nanny state. My thing is that, please, when you propose new regulations, you have to come out with a study that shows how regulation helps the people, the number of people it helps and how it does not create red tape for the other people.