Ben Bernanke actually said...

I agree with you about remittances. That has been an interest of mine for some time.

The government can provide various incentives, encouragements, to banks to do what in many cases is really in their own interest.

I personally understand this issue because I grew up in an unbanked family.

I do agree with that. Fannie Mae and Freddie Mac are particular problems and issues have to be addressed.