I disagree. I think financial sector gowth for the last 100 years has been wildly distorted & it should be something closer to the size & % of the economy that it was prior to the creation of the Fed. I don't think there is any possible way for lending to be higher in an economy built on sound money, when today more people are in debt than are not. In a sound monetary system, the supply of funds available to be loaned is necessarily only a portion of the supply of money saved. There always has to be more savings than debt in a sound monetary system. And today things are exactly the opposite.