@MrNobod25302774@SJosephBurns You could lend fron your employer, investors, basicly everyone who has some cash to spare.
And it can go with a bank as intermediate, but than the funds should be deposited for that purpose and the owner of the money should share equally in the profits (if not the majority)
@MrNobod25302774@SJosephBurns 1. Peer to peer lending
2. Banks can use long term deposits that are locked for x years
3. Banks can their profits
Why should they be allowed to make up money out of thin air?
Lending existed before fractional reserve banking. Would it be harder to get a loan, sure!
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This crypto cycle was even weirder than the ICO frenzy of 2017/18.
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