If you really want change, you have to understand what is going on, in the first place. Think of it as an evolutionary process.

Politics, as the executive and regulatory function of society, is analogous to the central nervous system.

Money and finance, as the value circulation mechanism, is analogous to the blood, heart and arteries.

Nominally and historically the politicians are in charge, from tribal chieftains and elders, to kings and the aristocracy, to presidents and legislatures. Yet what are they in charge of? Not so much the people, per se, but their passions. Many of which are tamped down, often firmly, but those who do get a voice, take full advantage of every opportunity to use and abuse their voice/power.

Just as in the body, the brain is nominally in control, but really is just a referee of the various desires, appetites, needs and wants.

So what organs do we associate with our desires and appetites? The heart and gut.

Given the mechanisms of society are similar, if you want real control and not just the illusion of control, it makes sense to do it through the banks, than politics. So the issue is not one of changing the political system, as it is pulling away the curtain from how banking actually functions.

The story is that capitalism is just another term for a market based economy, but that is false. Markets need money to circulate, while people assume it is the signal to extract and store. Which requires ever more to be added and ever more metastatic methods of storing what has been extracted.

Since money, as a glorified voucher system, works as a contract between the individual and the community, with the asset backed by a debt, storing the asset requires similar amounts of debt to be generated.

One way is to restrict the flow of money through the real economy, requiring it to run on ever more debt and pull that investment money back into the system. Think of all the home, car, student, credit card loans the banks bundle as investments.

The other primary method is having the government, through those politician puppets, to be debtor of last resort. Quite obviously the capital markets could not function, without the government siphoning up trillions in effectively surplus savings. So we can have endless, strategically inept wars and no one is held to account, because their real function is to spend the money, so more can be borrowed.

Econ 101 says money is both medium of exchange and store of value, but does that make sense? Blood is a medium, fat is a store. Roads are a medium, parking lots are a store. The hallway is a medium, the hall closet is a store. If the average five year old understands the difference, are economists just that stupid, or do their paychecks depend on being part of the curtain?

The functionality of money is its fungibility. We own it like we own the section of road we are using, or the air and water passing through our bodies. It is an economic lubricant, not a fuel. Logically the government could tax out the surplus, as easily as it borrows it, but the real power is currently at the other end of that string.

There simply isn’t the investment opportunities to save the amounts of notational wealth we all feel we need, but we all do save for many of the same reasons. Raising children, housing, healthcare, retirement, etc. If these could be invested in directly, as strong, healthy communities and environments, rather than treating them as resources to be strip-mined, we would be in a better place. The irony of our individualistic ethos is that it creates an atomized society, that is more easily controlled by institutional authority and mediated by a parasitic financial system. Networks matter as much as nodes.

Then banking could go to being the accounting function society would need to keep it all straight.

This is not socialism. There should be a balance between the public and the private, but we have to understand reality is more the yin and yang of opposing elements, rather than a God Almighty of one side, or the other. Longer story….

There was a time when government was private, as the tribal system gave way to feudalism, but eventually, as monarchs lost sight of the function they served to society, in order to be served by it, they were usurped. Though it took a bit over a hundred years to play out. Banking is now having its, “Let them eat cake.” moment. It will be a long and messy process, but banking as a public utility is inevitable.