impression but nonetheless you were honest enough to address that issue so I have nothing to add. Apr 24 2012: principles don't prevent anything. only people does. your councils are coercive agencies that interfere with people's conscious choices. how is it different than today's states? you got lost somewhere about that zero sum idea. what i explained is a simple exchange between two individuals. how would that imply zero sum? it exactly works in a society. interest is decided on the market, just as price is. there are a number of people willing to lend money on different interest rates. and there are a number of people willing to take money at a certain interest rate. pairs will find each other. and if the market is liquid enough, soon, a "usual" interest rate will emerge naturally. this is the interest rate at which the money available for borrowing is the same as money demanded. at lower interest rate, demand will be higher than the offerings. at higher interest rate, supply will be bigger than demand. you are welcome not participating in this game. if you only take money at interest rate zero, you need to find partners for it. but this should not be binding for me. i have different views, and i want to live by those views. Apr 25 2012: Kristian, I would be happily go along with removing all 'coercive agencies that interfere with people's conscious choices'. Except along with govt agencies we would have to include