When the governor says that working families in the state “wouldn’t benefit” from the bill he vetoed, he typified the problem with regulators who claim to speak for the public. How come they think they can? In a free society, “working families” decide whether to get a loan, and take on the risk of paying fees, if it will help them achieve some goal of their own. Apparently, the governor thinks he knows better that prospective borrowers do whether they should take out that loan. On the other hand, North Carolinians certainly won’t be “gouged’ by this particular set of fees. They won’t be paying them ? or getting a loan. Gee, thanks, Guv.