Why should bankers lend less money?

I think bankers should lend less money because if they give a lot of money they would not have anymore for loans or safe keeping. I know this because it is what started the Finacial Crisis and I think that if the bankers use the money wisely it will prevent another finacial crisis. Following to my previous point, the bankers should also ask the costumor why they really need the extra money because someone might want money for a drone or something baby-ish. According to the financial crisis we know that we should always think before we act because the finicail crisis happened : 1. Bankers absent mindedly 2. People spending ridiculous stuff 3. They are not strict enough.

Remember Think before you act !