Five laws i'd like to see implemented in Dubai

Creating a Nation-wide credit system:
Banks are making a killing while many of the country's young, ambitious national and expatriate workers are getting caught in a thorny credit trap. And most are either in thrown in jail or default and runaway from the country.

Thanks to poor governance, banks are virtually giving away credit cards, personal loans, mortgages... and every other form of "financial services", to anyone who walks through the doors of banks, and -mind you- without any proper historical credit analysis or rating to the applicant. It reached a point where banks hire housewives and door-to-door credit card sales men. This plain wrong.

Making it Illegal to Disconnect Power or Water off ANY Residential Facility:
This is the case in many countries in the world. But sadly, not here. Living without water or electricity in a county like the UAE is, without a question, fatal. And I am not being over dramatic. Tempreture here often crosses the 50C mark during the summer. This the temperature internationally recognized as fatal to human beings. There are better ways for water and electricity agencies to coerce their customers to pay up. For example, Freezing bank accounts or imposing travel bans.

But not leaving women and children in the scorching heat of the summer without water or air conditioning. Its not only inhumane, its disgraceful.

Government Employees Working for Private Sector:
This is quite common in several GCC states. Especially in KSA and Saudi. Government employees are not permitted to run any private business. No matter what happens, you will always ALWAYS have conflict of interest. Today's Gulf News headline story is a pure example.

Readers: I would really like your thoughts on this one.

Imposing an Emirate-wide Quiet Hours:
Living almost anywhere in Dubai today is becoming a real annoyance. Dubai Municipality is giving away 24hrs construction permissions to contractors, right, left and centre, with out any regulation to the level of noise emitted by these construction company nor consideration to the noise pollution and what it is doing to thousands of families across the emirate.
Don't believe me, pass by next to my house anytime at night and see for yourself.

Making it illegal not to fully stop at Stop sign or at pedestrian zebra lines:
I was very impressed how in the US, they take these 2 regulations extremely seriously. If you do not stop at a STOP sign, or at a pedestrian crossing, you simply go to jail.
When you think about it, it does, significantly help reduce accidents. Stopping so frequently, especially when in residential areas, will result with fewer, almost no accidents.
We seriously need that here in Dubai. Just read the paper everyday.