As you've noted yourself, if you allow markets most of the rest kind of emerges. Futures and forwards are pretty natural, unless you somehow stop it, large scal

As you've noted yourself, if you allow markets most of the rest kind of emerges. Futures and forwards are pretty natural, unless you somehow stop it, large scale loans are no less natural than small scale loans, products between individuals get outcompeted by products between individuals and larger entities. Mortgages aren't great but having to pay for a house up front would move empower rentiers even further. I just think you need to be specific, you're already down the path of realizing that some (but not all) of this is like laws of nature, saying that there's no value in a financial sector just seems ignorant.