Money must exist to support the farmer during his planting. No interest, no cost loans would create this needed money and save the small farmers. The banklords change the name periodically to avoid scaring the public. See Lindbergh in the Bibliography. Phony rhymes with pony, a small horse similar to a jack donkey.
Interest is the rent for the use of the principal.
Being realistic, I see that pyramid upside down, balancing precariously on one point. REIT - Real Estate Investment Trust. Business group that does an unreal business of holding title to real estate for profit. Is typical of unreal blue sky operations. See compound interest.