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Personally, at this point, I say just nationalize the banking industry. Really, just like the post office. The banks would accept deposits, allow you to withdraw, lend a bit of money, and make sure they make a 2% profit. That's it though, and nothing more. Have strict laws saying any profit over 2% goes to pay off the debt.
Banks should be there to provide a service to the public, and not to rape & pillage the public.
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