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The regulators home loan calculator can force risk out of the banking system but they can't cap it out there in the wild. Your point about the non-banks is well taken although I am not sure whether the system overall is necessarily safer. Those hefty returns on equity you quote are achieved through leverage since it is difficult to find investments that produce these kind of returns on an un-leveraged basis. I very much question how many of these assets are term funded but instead rely on a maturity mismatch to produce these hefty ROEs - and guess who provides the loans that back these investments - the banks!
The entire point of the "shadow banking" system is to find a mortgage repayment calculator back door into the regular banking system - it's a bit like whack-a-mole, for every dubious arrangement that is found and stamped out, the shadow banks will try probe and find another way into the system. As memories of the Great Recession fade, regulatory zeal will fade, there will be more chatter about a new era of financially sophisticated risk management, and the cycle will continue.