Given UDT's implacable insistence that banking, more specifically fractional reserve banking, is intrinsically fraudulent, one thing that has bugged me since he first started posting on the subject is what precisely he thinks is the alternative. Given that the majority of human endeavour is based on speculative activity with a future return (I'll pay you when it works), and that opportunities by definition are an addition to existing capacity, we will always be borrowing in excess of existing equity. How also does he propose that we apply Darwinian concepts to the opportunities proposed (i.e. we make sure that only the really good ideas get investment) unless we make the 'borrowers' responsible for the failures. I really don't think UDT has an answer, and until he does his comments are a whinge, not an argument.