Interesting, so we can’t criticize banks and banks either are or are not owned by people, which may or may not be key to solving this. So the answer to the riddle of “who rules over you?” is either “no one” or “I don’t know”, which is very clever! You cannot criticize a group that either does not exist or you can’t identify!
This is fun, it reminds me of Benjamin Franklin Gates solving the clue of the secret that lies with Charlotte!