The basic problem here is the banking Ponzi. If we didn't have all the inflation of the past, a dollar would still be worth a dollar, and Government wouldn't have to make the Postal System charge fees way beyond what they are allowed to by law. If we are going to trick the people into a non-government operated, central banking system just to get around the idea of not having a central banking system, then let's allow completely free private mail delivery, as well. Get government subsidizing out of it.