I think rather than trying to pass "The bill of bills," requiring 60 votes to pass, they should work to pass the SAFE Act, and then move forward with the rest of it. There is STRONG support on both sides of the aisle for banking reform. Let's GET ER DONE and then move on to the next phase.
But no, the Dems understand there is strong support for banking reform so they want to leverage that support to push through a MUCH BIGGER package of legislation, that I'm afraid will drag reform momentum to a grinding halt.
Better to take baby steps, than to have no forward movement at all, while the Democrats and Republicans argue for months over the details.
Numbers don't lie. People do.