From an administrative point of veiw, if we would like to hold any Government responsible for the economy, we have to give them the tools to control that economy.
Our Government alone should have the power and responsibility to regulate the amount of money in circulation and the interest rate charged to citizens.
A legislated rate of interest would ensure equal treatment for all citizens using dollars of that country.
What we have now treats money as a commodity in a free market where power and wealth influence its availability to the individual. It is not a commodity. It is an essential need in a civilized democratic society and should be available equally to all and not controlled by private individuals.
Without that power. The banks, in collusion with a bunch of economists babbling unintelligible dribble, can do whatever they want and steal at will from their own citizens.