Reduce credit cards to a fixed rate of 3% over the market money rate?Banks are charging 19.99 to 29.99 % interest .USURY

Banks are now practicing usury in the interest they charge for credit card interest.19.99 to 29.99 is robbery to consumers.We bail the banks out and they return the favor by robbing us with these interest rate. The rates should be fixed 3% or the cost of the money to the bank this would also stimulate the economy by allowing consumers to use their cards more?We regulated banks before we need to do it again.