You can't fall back on the private sector and say 'You take care of the nation's banking system.' That's a fundamental function of the government the Federal Reserve the Treasury and the FDIC etc. All of those agencies have a major role to play there.
Above all we should not forget that government is an evil a usurpation upon the private judgement and individual conscience of mankind.
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A graduation ceremony is an event where the commencement speaker tells thousands of students dressed in identical caps and gowns that 'individuality' is the key to success.
