This snippet caught my eye and made me wonder, "Why?"

Most people work for firms that make money. It makes life easier to have banks, certainly, but why can't the company hold on to ou funds for us if we don't want to keep it under the mattress. They should be able to pay a nominal amount of interest on what we entrust them with, and if we don't trust our employers with our money perhaps we shouldn't be working for them.

Banks exist because they lend money. They intrinsically lead to a debt fuelled economy, which, frankly, makes very little sense. I know capitalism has this whole idea of making money by lending it, but surely in its purest form it should be about those with money actually investing it in new businesses themselves, not just lending it out to other people and stinging them for interest.

I'm also quite sure people lived before there were banks. And I don't believe that the advent of banks changed things to the extent that without them we would all die. So I