So how does this make it easier for people to get their money? A regulated market means regulated rates (which have to be determined), transaction costs, regulated buyers willing to take low interest "securities", etc. At least in an unregulated market people who need their money bad could settle for pennies on the dollar! But then, people who need the money bad (like welfare receipients) are probably the ones who caused this whole budget issue in the first place by voting these Dummycrats into office! And a black market will open up anyway.