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And of course turkeys don't vote for Christmas.
The banking system is either disintermediated, or it isn't. Money is either an IOU credit object: or it's a relationship in which credit is an integral part.
Personally, I see no role for a Treasury as a middleman any more than I do a Bank either in public or private ownership.
The system I advocate, as I have long said, is in fact (a)"Peer to Peer" "trade" credit - supported by a mutual guarantee etc etc on the one hand; and
(b) Peer to Peer direct investment through production/revenue sharing "Unitisation".
No legislation is needed for that model: people just have to agree to do it. "The future is already here -- it's just not very evenly distributed" William Gibson
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