Money Lending should still be a dirty profession.

Do you know how our current credit system works? It has 2 fatal flaws that completely break it.

1.) When you go to a central bank and ask for a credit, they create the money out of nothing.

If a central bank for example only had 1.000 customers that each have 1.000$ stored on their accounts, it would bring it to a total amount of 1 Million $.

Now someone goes to that bank and asks for a credit of 2 Million $. Logic would dictate, that the bank would not be able to provide this money, since they only have half of it. But they actually can due to our credit system. And none of their customers would loose any money.

If the person now goes back to the bank, and pays back his 2 Million $ the bank effectively becomes 2 Million $ richer. But you have to add the interest rate on top of it.

2.) When you go to a big bank and ask for money they charge you with an interest rate. Many people don't even question this anymore, after all the bank is providing you with money. But the interest rate, that you are supposed to give them back never went into circulation. If all the people in the world would gather all the money and return it the banks it would still not be enough to cover all the debts.

This is the reason why almost every country in the world is indebted to big banks, because it is impossible to pay back these debts. The system redistributes all the wealth to fewer and fewer people because the debt continues to grow which eventually leads to more and more privatization. Since most countries are held liable for their debts with everything the country has, they are more or less forced to obey what banks want. Good bye democracy. In the new world money dictates politics.