as long as you leave banking and credit in   private hands you're going to have banks trading  their product debt and the more debt they create   the more debt service that the borrowers the 99  have to pay the banks in order to obtain a house   00:22:54 or an education or medical care or just to break  even and the more money they pay to the financial   sector the less they have to pay for goods and  services so as the economy polarizes between the 1   and the 99 the economy as a whole shrinks because  more and more of its income is spent not on   production uh and consumption it's spent just on  bit service