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Specifically, the Financial Times' Martin Wolf – one of the world's most influential mainstream financial writers – says that, since banks create money out of thin air, they should be stripped of this power, and limited to normal depository functions. . The main problem with current system is not that it benefits those, who take out loans, but the fact, that the system is tilted towards those with most money already (the so called 1% is rumored to get credit at 1% or even less), 

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