The Failure of the Current Banking Model and the Deliberate Mispricing of Risk For Personal Gain

“Fraud and falsehood only dread examination. Truth invites it...Whoever commits a fraud is guilty not only of the particular injury to him who he deceives, but of the diminution of that confidence which constitutes not only the ease but the existence of society."

Dr. Samuel Johnson
This enlightening essay excerpted below is remarkable because the author strikes right to the heart of the matter,