This is my first post. I am almost completely ignorant to how the economy works as a whole but I am of the mind of He who has the money make the rules. Now, I am not a proponent of an entirely Socialist society. I believe that Capitolism can work and is in everyone's best interest to follow it's model in order to allow hard workers to be compensated based on performance. But since we already live in a pseudo capitol/social society, I would appreciate Poster's hesitance to scream out in protest to this post. I am merely asking for anyone who is able to economically forecast my basic proposal. I feel that there are many different industries that could benefit from being owned by the people in order to prevent wholesale exploitation of natural resources and driving worker's wages lower. I am also very much in favor of the Capitolist model of having the market determine the value. Back to my post title. Mortgages, car loans, credit cards, student loans and many other forms of interest earnings for big banks, in my ignorant view, are being funneled into the hands of Big Finance CEOs and other Upper Class citizens' savings accounts to be used on vacations homes, sports cars, lavish vacations and so many other innumerable frivolous goods and services . Since these banks do not seem to serve any type of greater good for the economy, wouldn't it be advantageous to consolidate all, most or some of the interest earning loan accounts into a Democratic Socialist financial center to be used to fund national infrastructure, scientific advancement/research/development and yes, improving the quality of life of the middle and lower class as well as our peasants. I am looking forward to reading your responses.