I quote a paragraph from: https://cryptocurrencyhub.io/what-will-happen-to-bitcoin-and-the-crypto-market-in-2018-1ea60cb918f9.   
  "The crypto-asset market is young, very young in fact, and regulators have a chance to get this right from the start. Speculative bubbles are expanded to popping by cheap credit, so why allow people to lend for the purpose of crypto-investment? The benefits of such a move to regulate credit activities for speculation are 2 fold. Banks’ balance sheets aren’t exposed to loans that may potentially fail from a sharp correction in the market met with a loss of confidence from those who are taking risks far above what they are comfortable to take. On the other hand, potential investors are stopped from over-exposing themselves beyond their risk profile, experience and expertise in a volatile market through thorough consideration of their profile and circumstances."
What do you think?