Any money system has to deal with two real problems: the regulation of the money supply to keep

prices for goods and services stable, and the distribution of wealth. Our current money system deals with maintaining stable prices by tightening and loosening credit--through variations in interest rates charged. It deals with the distribution of wealth by allowing usury, which is the practice of taking undue advantage of borrowers in the terms of the loans made. This includes interest rates that effectively transfer large portions of the wealth created by the borrower's labor into the pockers of the usurers. as well as through unreasonable terms attached to the loan agreement. The term we are all familiar with that describes this is 'predatory lending'. Adjustable rate mortgages are an example of vehicles that can be used for predatory lending. Payday loans are another. There is a long list of these practices that are legal which I won't enumerate here. Charging high interest rates for loans is a part of the problem of usury. There is a vast hidden usury in the current money system which defies rationality. In our fractional reserve banking system, banks are allowed to 'conjure up out of thin air' nine times the amount of money they have desginated as 'savings deposits'. They charge interest on this money. I have read opinions that banks can function without any reserves--meaning they are a 'zero reserve' system. That means they can grant credit without having any deposits. This is a possibility with any fiat money system, particularly one that is not properly regulated, which is the main problem with our current money system. Charging interest is certainly a part of the problem, but it is not feasible to prohibit charging interest entirely. People who work all their lives and save their money should have some way to mutually beneficial deals by lending their saved money to people who need to borrow money. They do not have a right to take undue advantage of the borrowers. In my estimation, charging interest is one of the problems of usurious relationships between lender and borrower. Since most lenders are banks, not individuals, I can only conclude that the real problem with our current system is that it is not properly regulated. This is understandable, but inexcusable. The ultimate power rests with the control of money, as was observed my M. A. (Bauer) Rothschild who said 'Allow me to control and issue a nation's money, and I care not who makes its laws. Money is more powerful than laws, and can make laws bend to its will. Unfortunately, any kind of regulation of the banking systtem would have to be in the form of a law, but it will not stand up for long to the assault that money would make upon itl. Politicians are corruptible. When people have no leadership with integrity, they are prey to usurers. There are only two ways to get money. One is by working for it, which is what 95% of the population of the planet does. The other way to get money is by usury--which is by not working for it, but by transferring the wealth of the people who do work for it into your own pockets. The agenda of the usurers is to propagate usury so they never have to work for their livelihoods, and can forever dominate those who do. Hatha