Again, I agree with you with one exception: banks have an unfair advantage and a monopoly over money creation. With the fractional reserve banking, banks take interest on money they don't have and in partnership with large corporations (in which banks may have vested interests and which are dependent on banks), banks can "determine which products should be produced and which should not" before the market has any word about it (by buying competitors, buying critical suppliers of competitors, patents..). Banks do control and steer the economy more than any other actor.