Hello Richard. I know You from www quite good. Working with Positive Money for Poland.

Have followig lots of articles in web. It's all this things just crazy what about money subject.

Let's just offer to clients credit without usury. 0 EURO cost for clients who borrow money.

Money credit by credit in banks you have described in "Lost century". Bravo.

Just let's do small change in IT banking system. Simple. Banker shoud be allowed

to create money in table owe/have not only for clients. Just also for himself in another window on screen of bank computer. Just need to preprogramm banking client-server application fot that purpose. If we allow bankers create money for themselves, clients shoud be happy, coz no more usury in credit. If all people are honest ther shoud be no risk of any speculations. But only if they are honest. Otherwise bankers could create too much money and in effect make a recession.

But there is a solution. Just special external control in banks shoud check how they really work.

We have one in Poland it's KNF. Commision of Financial Supervision. Ha? I'm programmer in C just basic level and web apps as well. Have own site in internet with translated materials form Positive Money UK. "Banking 101" video course is most important part. They doing great job. But to be honest I following now MMT Gracjan Bachurewicz, and W. Mossler. It's really good theory. Money is debt and always will be. It's just accounting foundation. Coz table OWE/HAVE. Hope you undersand me Richard. Peace. Thank You.