Which of the following most logically completes the argument?
Loans extended from banks to individuals can allow individuals to take well-measured financial risks or pay off existing debts that carry higher interest rates. However, more aggressive banks extend freely to individuals loans that are too large for those individuals to foreseeably pay back, causing other problems. Therefore, the creation of a new department to monitor and restrict banks would benefit public well-being, since _______________.
【选项】
aggressive banks cause individuals to establish less overall debt than credit card companies do
选项是否正确？