Who is the transparent group?  How are they held accountable?  Aren&#x27;t they a de facto part of the government by virtue of being able to govern the flow of money, whether or not they&#x27;re a de jure part of the government?<p>What is the incentive structure and how does it penalize gamesmanship?  How is the group ruled and why can&#x27;t 51% of it say that we want to create all of the money for ourselves?<p>Aren&#x27;t people already paid for using their money as loans in the form of interest rates and being able to structure how and when the money can be withdrawn (money market vs. savings, etc.)?  What advantages are there to this?  How do you get banks to offer that and what does the average guy like me even know about trying to control the money supply?<p>And even in that case, don&#x27;t you still run contrary to the goal in that those with larger amounts of money still manipulate the money supply by choosing investments?