As some may already know large scale banking is strongly discouraged by the EMC staff, as of now. I however have an idea to possibly change that. What if anyone who wants to run a bank (on a large scale) had to get a banking license, to show that they can be trusted not to rip people off. That would at least minimize the danger to someone taking out a loan, however if put in to place it would be the banks responsibly not to bankrupt them self, (by not doing things like giving out 1 million rupee loans, or giving loans to random people without checking to see if they have any assets). In addition the banks would have to keep very good record of all transactions. Just curious if this might work, please reply with any thoughts.