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"I don't think it's too late to change the way we think about money. And I think there's a lot of work that goes into that, and I think the problem is some of the guys are starting to use their tools to put the responsibility of working to make a lot of money on the shoulders of everybody else," he said.
"We're going to do pretty good with people who are self-employed ... with a bit of a business person. This is a place where the best people have the means to do most of their business, and I think that's the biggest mistake you can make.
"In our position it would have been better to have paid staff and staff that were self-employed to do what we did for so many reasons.
"I don't think you can blame people for being self-employed. But really, when we put the responsibility and the skills in front of everybody, that's a real problem. When the skill level level of people is low — we're about to take a small step that's really not helping anyone, especially if their family situation is such that a person could just be kicked off a credit union.
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