The government of the group want to invest in other things like mining to create more wealth, so they borrow from the bank and issue a 'bond'."All the way through from the first granary, the 'banks' have charged for their service. Exchanging the various types of coin used by all the groups incurs a charge. Carrying a letter of credit incurs a charge. Borrowing to finance new ventures incurs a charge."Eventually some of the more enterprising citizens see what is possible by taking out a loan to start a new venture and they borrow too. The new ventures keep expanding and need capital. Some comes from the bank, but some comes from offering a 'share' in the profits to other citizens. Yet more citizens start to borrow for personal reasons – to buy goods they can't immediately afford or to purchase a dwelling."All of that sounds logical and sensible. So where is the problem with banks? I can only come back to greed. All of the services I've thought about are required, but how much should. "Disbelief written all over her face, Brandi's world was collapsing around her."No. No! This can't be!" she cried."Afraid so, babe. Hey, good luck. I really do hope you can find a guy, cause you need one — bad!"Anger flared and she threw her shoe at the closing door, then she stood and, her knees weak, fell onto the bed where she cried for the next hour and a half."Mom, what's the matter? You look like crap." said Joel having received the okay from Chico and then having waited an appropriate amount of time to let the devastation set in."Honey, I'm... okay," replied Brandi trying to smile."No, you aren't okay. Don't try to snow me. Look, I know we don't always agree on stuff but I hate to see you cry," he lied. "Whatever it is, you can tell me." Oh, Honey I... I don't know if I should." Okay, you're choice," he said starting to walk away as Chico had instructed."Wait! I... I do need to talk with someone." I'm listening," he said.And for the next hour Brandi poured her heart out to her.
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