ABSTRACT The world’s financial system is definitely imperfect, and sinful people do sinful things. Ponzi schemes multiply, corrupt tax policy exists, the theft of savings through inflation is very real, the rich oppress the poor, loan sharks prey on the vulnerable, benchmark interest rates are lied about, contract law is violated, increasing debt is viewed as a good thing, and politicians lie about so many things to give people a fall sense of security. However, it is not just the hi...