That's the point though. The USPS costs more then it takes in, by a lot. Yeah, it's due to regulators, but they're not going anywhere. That's exactly the argument against having USPS pick up additional responsibilities like banking. The USPS opens a bank branch in every post office, now those same regulators (who can't even agree on increasing the price of a stamp) are pricing loans and opening checking accounts? What reason is there to believe that would end well, especially when it's a whole new line of business for them?

Not complaining, but the fact I'm getting hammered by downvotes on all of these responses is mind boggling to me. I'm surprised how much of the tech world apparently thinks this is a good idea.