I agree wholeheartedly with the second part. On the first note, if it will work or not with fixed interest we’ll have to see! Time will tell—but im not so sure! I could be wrong though.
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I think works of Steve Keen and Richard Werner give more positive outlook on the roles of banks and credit in tye economy. Made me less critical of banks as such, and more focused on the root causes -- the centralisation of banking system.