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“In the absence of government regulation and monopoly control, a free monetary and banking system would exist; it would not have to be created, designed, or supported. A market-based system would naturally emerge, take form, and develop out of the prior system of monetary central planning.” ~ Richard M. Ebeling
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“We should acknowledge the weaknesses of our current system and make improvements if possible. At a minimum, that means scrapping the penny. More fundamental reforms, like permitting competition in coinage, would be better still.” ~ William J. Luther
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“Argentina’s economic troubles are self-imposed. They are not the fault of its creditors, who just want to be repaid as promised. Any good-faith solution to Argentina’s problems must start by recognizing the real problem: large fiscal deficits.” ~ Nicholas Cachanosky
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Access to financial services, or “financial inclusion,” has long been recognized as a critical step towards escaping poverty. Having a bank account enables people to protect their savings, diversify risk, lower transaction costs and access credit …
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The battle over financial deplatforming isn’t going to go away. Before we act, let’s be sure we’ve thought things over.
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Prepaid debit cards issued by retailers like Walmart, the federal government, and banks like Green Dot and Comerica are providing unbanked Americans with a different but fully functional and cost-effective connection to the national payments system.
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Nothing in Rothbard’s later view manages to cast doubt on his earlier view and White’s thesis, much less refute them.
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Financial regulators appear to fear the creation of a few, small experimental entrants more than they fear the failure of the nation’s many, uber-risky megabanks.
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If members of some group feel excluded from the financial sector, regulators should allow them to form their own financial institutions and give it a go in the marketplace.
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To remain consistent, opponents of so-called fractional-reserve banking have to denounce overbooking practices among airlines as well as the entire business of insurance.
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Bankers have been steadily introducing cashless banks over the last few years in response to falling customer demand for cash. With fewer people wanting to withdraw or deposit cash, the cost of offering these services gets harder to justify to shareholders.
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Complaining about injustice is cheap; bona fide progressives put their money where their ideals are, and reap as they sow.
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