Q, I have somthing I would like you to read.. It is a recommendation on how to restructure the financial system for the people.

2b. We now live in a world in which digital/crypto currency makes having vaults to store wealth or centralized places to store/transfer value obsolete. But there is still a function of banks and that is lending. I see a future where this function can be replaced. One of the most important questions of our time is how to incentivize loans without interest or in a way that interest benefits society. How do we harness the power of wealth created through interest to benefit mankind. Basically how to take what banks do and make it benefit the world. If we answer this question correctly we could rid ourselves of poverty & the banking cartel which runs this planet. Right now the wealth created through interest by design benefits only the most wealthy and harms the most vulnerable. We must welcome the discussion of alternatives. The following solution would require us to individually & voluntarily transfer to asset backed digital blockchain Cryptocurrency, and/or fiat digital currency with scalability and set inflation. The idea is to ban all but low asset holding individuals from the benefit of loaning at interest. The low asset holders could voluntarily enter lending pools on a web page administered by quantum computing & A.I… A.I. Could make lending decisions and loans for them and automatically give them the interest returns according to how much money they have in the pool. Since the interest would be made without a bank middle man or fees they would receive much higher returns than today's savings accounts. They would receive all of the principle plus interest with a fraction of a fraction of the interest taken out to create an account to cover loan defaults, replenish the biosphere & bring more of the poorest people into the pools (economic ecosystem). Low asset individuals would be incentivized to save/put more money into the pool because they would receive higher rate of return. This could aid in building the wealth of the young and the poor, it would also help eliminate poverty and would greatly boost the number of middle class. When their assets reach a certain threshold they could no longer partake in loaning at interest unless they dipped into the low asset holding margin again. This would incentivize the middle class to spend more money because they will have security net knowing that they can always build themselves back up by dipping below the margin again and profiting from lending. This would have an incredible boost on the economy as the middle class would have added members every day. The upper class would benefit from the increased spending of the lower and middle class. In this model all of the wealth producing power of lending at interest would be wielded by the lowest asset holders/helping end poverty and possibly replenishing earth. If someone defaults their wages would be garnished at a fair rate (if they voluntarily interact with the economic ecosystem again). Banks would most likely cease to exist because they are no longer needed to store value or lend. Middle and high asset holding individuals could still loan money but they would only be incentivized by small tax breaks for the lender (after many loopholes are closed and international trade deals made). They could also still profit by investing their money into businesses and getting a dividend which is the best way to use your money now(outpaces inflation). You may ask yourself why would the middle class vote to not be able profit from lending. Well right now, a savings account gets less than 2 percent interest annually. Inflation is averages 2.4 percent annually. Meaning that by leaving your money in a bank, you are actually lossing a small amount each year in buying power. The only ones benefiting right now are banks. That's it. (If you think that we could never pass a law only allowing low asset holders to lend with interest we could just create the system and let the banks try to compete with the returns and the loan rates of a system that is nonprofit.) They couldn't.