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  By 'have nots' I presume you mean those who are a bad credit risk and the conundrum is that lending to such people was a part of the initial problem and all the talk of lending more cannot make a bad risk into a good one. There is a balance that will need to be struck.
  
  The BoE had an important role restored to them recently that was originally removed by Brown in banking regulation and we are starting to see the affect of that and a good thing that is too. The banks have to take note of what King is saying and act on that, quite rightly so. This is another balancing act as bonuses still need to be paid to reward good performance and dividends will need to be paid to attract investment and maintain the share price - something important to the taxpayer for those that were bailed out. I repeat there is a balancing act for the banks on three fronts here, liquidity, bonuses and attracting investment.

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