Either way banking has changed a lot since most the recommended banking books were written. Now it all about managing repayment and shifting debts to low interest paying loans. The banks make money on the transfer fees. That is what banking has turned in to.
Yes. Linked to below. http://morganisteconomics.blogspot.com/2020/01/letter-to-president-of-america.html I might send an email to the Finance Minister too. I will look in to it over the next couple of days.