Poking fun at current events...
Because democrats don’t want to take responsibility for being in charge for the past two years.
Because in 2018 Trump literally bragged about cutting the regulations, saying "Bankers will love this". And, it was his regulation cuts that were directly responsible for 2 bank failures... so far. Trump basically enabled mid sized banks to take large risks with depositor's money. Many democrats warned it would be reckless to do so, although a few democrats horse traded their votes (meaning they voted for it in order to get republican votes for something they wanted, which was also bad.)