Is HFT a net benefit to the average American? Does the average American even care? It seems to me that HFT prevents the average American from having any participation in the process. Find a new business model.<p>Bonds have a cash value, tax that.<p>If they start only using IOU&#x27;s hit them for unauthorized creation of currency under the National Bank Act of 1863 and the Legal Tender Act of 1862.