"We need to look at replacing rather than just repairing these broken institutions. Entrepreneurs and educators do that."
I do not think you need to be an expert to understand that most Banks are driven by crooks, for not saying criminals, but how come that they are STILL there and STILL doing what they always did IN SPITE OF?
What I never understood was:
If an engineer builds a bridge and that bridge falls he pays, when a banker invests your money and you loose it YOU pay twice, first for his advice and then for your loss...
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