banks, any company that uses marketing, and many landlords. Apr 27 2012: Principles/beliefs have everything to do in regards to how someone acts. The councils are not designed to interfere with the lives of everyone within that community. It allows for a place in which people can talk about issues that are going on and find ways to maximize the well-being of everyone. It is far from utopia being that we are all human but nonetheless, it is free and participatory and this is far better than what we have now. We are not talking about interest rates here(in regards to the scenario between you and Joe). Interest would be something that would not even exist in an anarchist society. Money might but it would not function in the way that we are accustomed to. In regards to Zero Sum your scenario in the way that you describe was exactly that. your gain and/or lost and therefore your well-being was contingent upon Joe paying back the money he owed you. Krisztian, Joanne and I have the exact same concerns as you do in regards to coercive institutions. The only difference is you want to still have banks and the market system around, which is odd being that these institutions are in themselves, as Joanne pointed out, Coercive. Apr 27 2012: so the councils can not order anything? then what those "repercussions" you have mentioned would be? stick to our example. i have 10 gold, i give it to joe on