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> Does the banking system have any good use or good quality, after all the flaws are removed
Elaborate on this aa thats a broad term to ask 
Money is nothing but a token of compensation for goods produced or work done that shouldnt be able to replicate itself ie having interests on it or be above of what it is ie mammonism or capitalism if you wish or to be the end and not means to end 

Manifesto on abolition of interest slavery from gotfried feder should be enough to explain it to you 
Work is the king and not the capital