It harms the banks, which harms rich people, which harms politicians because rich people threaten.. er, lobby them concerning campaign donations, SCOTUS has shown repeatedly in the last 2 years that they're firmly in the pocket of a certain political party with rulings which enable them so they wine and dine Clarence Thomas and the rest (Google "Clarence Thomas corruption")

If you think any of this has to do with how your life might improve you've not been paying attention.