If he was not running for President and was instead still a 30+ year incumbent Senator of Delaware, would he be sponsoring student loan relief bills and credit card/banking fee limitation bills? I don’t think so, but maybe you do.

I honestly think he would. Not out of compassion or anything, but if you follow Biden's career, there are three constants:

1. Man loves his choo-choos.

2. He's a strong Union supporter by the standards of US politicians (ie by the lowest imaginable bar).

3. He otherwise shifts with the party.

When the party's opinions change, so does he. Not necessary the opinions of the entire American electorate - not necessarily the opinions of just the top brass - the party as a whole. In some ways, you could say, in that sense, he's a reed in the wind or an opportunist - but he is pretty consistently responsive to firm shifts in the outlook of Democratic voters, before most other moderates do.

Student loan relief and banking fee limitations would have be anathema (yes, even amongst most of the voters) for Dems even just 20 years ago. Dem opinions have changed, and Biden sways with them.