On the one hand, regulators are concerned with the cost of bank failure to the taxpayer and the impact of such failures on the general safety and soundness of the financial system. On the other hand, banks must take risks in order to finance economic expansion. Decisions about tradeoffs must be made.
Regarding education level, the results of years of disregard are already seen – both in terms of Israeli students’ poor results on international standardized tests, and in the large gaps between students from families at various income levels.