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Richard discusses the topic of inequality in the UK, particularly in relation to the banking sector, which he argues should be decentralized and more resilient. He emphasizes the importance of funding for economic activities and the role of banks in this process. Traditionally viewed as intermediaries, Richard asserts that banks are actually creators of the money supply, challenging the common perception that they simply take deposits and lend money. He claims that his empirical research illustrates that banks do not operate as deposit-taking institutions in the conventional sense. Instead, he asserts that the legal reality involves a more complex understanding of deposits and lending practices within the banking system.
