Nah, you think you've come up with some unique idea about banks, but Marx came up with it a long time ago, and he probably wasn't the first to think of it. I'm

Nah, you think you've come up with some unique idea about banks, but Marx came up with it a long time ago, and he probably wasn't the first to think of it. I'm not sure what you mean by hiding the cost of lending, either. I think that phrase should refer to describe the bank's costs, which goes into the interest rate and fees and everyone knows that already.