If we allowed water to flow freely, we would experience more frequent and destructive floods and droughts. To protect ourselves we build dams, levies, and dykes. Along with these, we use aqueducts, locks, and pipelines to manage the flow of water for the benefit of everyone.

There is no difference between the flow of water and the flow of money.

When a few rich people are allowed to dam up the flow of water, the rest of the world heads into a serious drought. It is naive to think that interest rates and tax breaks alone are effective enough tools to manage the flow of money for the benefit of all.

Without proper regulations, capitalism is really nothing more than a minor variation of feudalism.