Just what do they want?

I think if I were a banker, I would be very, very confused. It seems to be commonly accepted that the current crisis was in great part caused by banks lending money irresponsibly, and yet, now that banks are carefully scrutinising applications for loans and credit, and turning many down or imposing high interest charges, they are being criticised for that. So it seems it is damned if you do, damned if you don't!