However, included in the crookedness of the bankers is the rapid advance of progress in the States. How? For example. How much money does it take to build a system of highways like we have today? Way more than exists. By allowing the banks to carefully make more money than exists, and then letting people and Government borrow it, we can have the progress now, rather than after many years into the future. The disadvantage is that at some point we are going to have to shut down the banks in order to keep them from owning everything.