Banks should only provide credit at interest based on their own production surplus.

When banks control all the productive land for providing credit at interest, they can control society's wealth creation.

Banks can maintain the hierarchy by halting production and invent credit at interest based on the public's cash deposits.

This trend will lead an economy away from production (creation) and into service-based economy (security and maintenance).

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A capitalist can provide the best surety between a lender and borrower because he takes the least risk of the 3.

A capitalist can use their vast productive surplus to immediately pay the lender and take on the borrower's debt.

A capitalist can also defer surety based on the potential of their assets.

Perpetual deferment of exchange leads to innacurate accounting; a fabricated economy.