Many Consumers maintain balances on revolving credit accounts. Some of these Consumers will pay high interest rates over many years, and may pay high fees as well.
These interest rates and fees all offset the risk to the banks over time. However consumers paying the highest interest rates and the highest fees do not get "credit" for their contributions to the lenders and bankers.
Require Banks to consider the income from a consumer in establishing the interest rate charged to the consumer, independent of the consumer's credit rating.
Each interest payment and fee paid should be tracked. Balances up to that amount should qualify for the lowest interest rate (4 percent above prime)