Great discussion Jamie. But far too long for the typical Medium reader. You might consider serializing it, in more digestible chunks. Even with it length, it is still a story half told. Money and banking is much more riddled with loads of skullbuggery (my word). Note: https://medium.com/@daneke/when-the-wank-became-swank-money-banking-and-the-evolution-of-the-all-debt-economy-22e334f8ee3e