Just saying but debanking would become a hell of a lot harder if all banks ran on ecash
Shadow banking has already accomplished a lot of that.
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So you can pay bills, set up direct debits, get credit and get cash from an ATM through shadow banking?
You can run up the systemic credit, and render the Fed essentially useless. Furthermore, it can fricking crash the system. 24/7. That is shadow banking. #study