I talked about this exactly several times in the past. The present system is a return several millennia back, when the local lord (the banker) decided who gets the money (as he takes a hefty slice on the side). Instead of nebulous utopia, my solution is to enforce strict regulations in permissible behavior (deontology) of bankers, under oath, viewing them in a position similar to public notaries.
There was strictly no comment on my essay on the subject last week. I should stick to the Qur'an and Islamic banking...
PA    

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