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You are still free to join about credit unions, use local banks, and the like.

You get bigger because of all the support persons your need to comply with regulations. The auditors alone can be very burdensome to smaller banks. They certainly don't try to grow large just to fail.

I am not sure you understand the words you are using.

Paying the poor is a calculated game where politicians try to find the point they won't be annoyed enough to vote against them the next election and finding that point which they won't take stuff from those who are voting

Keynsian is easily proven wrong on many accounts

Capital pools until there is a good outlet for it. It also tends to pull when taxing systems become burdensome with regards to spending it

Investment and savings do not need separation. you could say that making loans is a form of investment with similar risks and rewards

finance is confusing to many but it isn't rotten

quantitative easing is the result of poor money policy of the countries enacting it. usually the result of the same country borrowing so much money it depletes that which is available to others

Austerity does not cause stagnation, first you would actually have to find a country that claimed austerity that actually reduced expenditure and not simply slowed the rate of increase. Greece is an exception to the rule

In the end adopting a the sky is falling outlook never works. Politicians created this mess and they are damn good at ducking responsibility. This is because most operate under the ideals of fascism, meaning pretty much force the hands of private companies to behave a certain way and then blame them when it doesn't work. This lets politicians further exert control because the general population doesn't understand what is going on




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