What process is the bank itself doing right now? Risk analysis in order to determine what makes sense to invest in, and then using its funds. I'm not saying the

What process is the bank itself doing right now? Risk analysis in order to determine what makes sense to invest in, and then using its funds. I'm not saying there won't be banks, but perhaps we can stop letting banks be a vector to supply massive quantities of money to biased middlemen who have their own end goals in mind that might actually be larger than the ledger.