This is my first time getting to read your piece, a lot of things could pollute human mind as far as our greed is at work, we tend to pose nose in different activities which make us not to be actually focus on a particular things.
Consumer are always right and they can actually decide what to do with there money, Bank is not beneficial though only to just keep the money for nothing sake, no interest per say.
We are actually the architect of our problems, man made, not actually nature.
From my view, a lot of this is engineered, conspiratorial, manipulative FUD to maintain power for those who have it and divide us without to make sure we cannot threaten their laws, actions and shackles.
They actually got it wrong people are getting wiser everyday, they know what is good for them and how to go about there life, no one could actually influence much unless money is involved which is the problem