Ben Bernanke actually said...

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

Bernanke discusses government incentives for banks to serve unbanked communities.

12/02/2009

More Ben Bernanke Quotes

GSE-type organizations are not essential to successful mortgage financing. Indeed, many other industrial countries without GSEs have achieve...

It is also important, of course, for community banks to be well-capitalized so that they can continue to lend during difficult periods.

It would be very concerning for financial markets and, I think, for the general public if the United States didn't pay its bills.

I agree with your analysis of GSEs.