No surprise this is written by a conservative think tank guy with a focus on an economic policy agenda. Stay tuned for "actually, the NLRA is bad for workers" and "really everybody should have the right to work at a business that doesn't meet OSHA requirements" and "your 401k depends on stock prices, so don't you dare raise the corporate tax rate."
I very sorry that banks lose out when somebody gets a fixed rate mortgage and then rates rise. "If only everybody had adjustable rate mortgages" doesn't seem like a win to me.