It seems to me that the scandal of the current financial system is that the closer you get the source of the money, i.e., the place where it is printed, issued, and gets leveraged into purchasing power (as credit), the more money you are in a position to make. Banking should be a much less ambitious business. Perhaps it shouldn't be a business at all. All banks have to do is ensure there is enough money to facilitate the circulation of goods. It seems obvious that if someone is in a position to make a profit simply by printing money (and keeping some of it) then "someone" will do exactly that. And this will put too much money into circulation. In effect, the "wealth" of our bankers consists in money they created out of thin air, distributing some (for show) and keeping some (for themselves). So-called "derivatives" were merely a shell game to conceal the operation.