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Richard discusses the topic of inequality in the UK and advocates for a more decentralized and resilient banking sector. He highlights the role of banks in the economy as creators of the money supply, rather than mere intermediaries. Richard challenges the common perception of banks as deposit-taking institutions that lend money, presenting evidence to support his argument that banks create money out of thin air. He emphasizes the need for a shift in understanding the true nature of banks and their role in funding economic activities.
