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Richard discusses inequality in the UK, focusing on the banking sector and the need for a decentralized, resilient structure. He emphasizes the importance of banks in funding economic activities, highlighting the misconception of banks as mere intermediaries. Instead, Richard argues that banks are creators of the money supply, stating that they produce money out of thin air. He claims to have conducted the first empirical studies supporting this view, challenging the traditional belief that banks primarily take deposits and lend money. Ultimately, he points out that the legal reality is that banks do not actually take deposits or lend money in the conventional sense.
