The payments are already controlled by the central bank. How do you think a bank moves money to another? If the financial system is a tree, the root node is th

The payments are already controlled by the central bank. How do you think a bank moves money to another? If the financial system is a tree, the root node is the central bank, the second level nodes are the private banks and in the next level are the business and households. By the way, this perspective makes clear that banks are not "only another business" as we hear sometimes.