Biden was Senator from Delaware for nearly 25 years, during which time his state discarded usury laws and became a haven for the Credit Card companies and predatory Banks. He was one of the sponsors removing the ability to discharge student loan debt in bankruptcy. He had a rather staunch record of supporting financial lobby interests throughout his career. He supported drone strikes, including on American citizens, while Vice President. He was openly against desegregation actions in the 70's, but let's give him the benefit of the doubt and say he has grown on that front.

I am saying that the harm he was part of due to the selling out of protections for the American people at the beheadst of the financial services lobby over multiple decades means that his current actions to cap fees and provide some student loan relief are little and late. It's better than nothing, but he is not a paragon of supporting the little guy