Just to be clear, I have no objection to the form of banking/"credit intermediation" that you describe and aim to practise, since I see that as "service provision".

The credit intermediation I see as unsustainable mathematically - and I am not commenting on any moral issues - is the Basel I/II style creation of interest-bearing credit.

I am talking about banking reinventing itself as service provision, and I do not see that as inconsistent with your description of your profession of banking.

"The future is already here -- it's just not very evenly distributed" William Gibson