What's really the point of a central bank dictating monetary policy? Let market forces set the rates. Competition is what pushes institutions to actually serve customers better, not bureaucratic oversight.

Think about it: commercial banks sit in the middle extracting value from every transaction. They're not creating anything new. They just rake in billions while taking zero risk—guaranteed profits no matter what. That wealth could flow directly to people instead of being hoarded by these financial gatekeepers.

The traditional banking model is essentially institutionalized rent-seeking. They control access to credit, set terms nobody can negotiate, and pocket the difference. In a truly competitive system where market rates determine everything, could we even justify their massive spreads and oligopoly grip on capital allocation?