supported, corroborated and expounded at     tell you what op, give me a cubicle at one of your offices and let me eat rice noodles in your cafeteria with the girls dressed in the business casual. i will develop a new type of account. instead of taking deposits and fractionally reserve lending against them unilaterally you delegate this power to the bank account holder. they are allowed to print money from nothing and charge interest, (principle burnt automatically upon repayment verifably on a distributed public ledger). you set a global reserve requirement split the pie up amongst the depositors based on their savings.
Canada