Banks that work properly would be the ideal form of capitalism, to me. In Canada at least, very little lending takes place to people who want to increase their

Banks that work properly would be the ideal form of capitalism, to me. In Canada at least, very little lending takes place to people who want to increase their capital doing useful things, unless you already have $10M+ in assets in order to get fancy AR-secured credit lines and other secured loans. The only way to get a loan is to tell the bank you want a house (capital gains but no value creation) or to go on vacation (consumption). In theory, you could create capital doing productive things, store it in the bank, and they lend it to others who can do useful things with it. I am thinking small business, as opposed to vacation consumption. I would be pretty "Liberal" or socialist about how I allocated money to small ventures. Almost anyone could get a small loan to start a venture, and then how that goes determines their lending credibility in the future. Again, I am sure this is where we started, but we are far from it now.