The banking system 💰 is a brilliant contrivance to bend people to your will, without incurring the heavy burden of karma...

That forcing people's will would incur.

By giving people the choice to use money, and to take out a loan, you are putting them in charge of their destiny.

They are responsible for themselves.

No you or your banking institution.

And whatever they do to earn their money is also their responsibility.

But the availability of funds can be used to dictate government policy, by tieing budget payments to certain outcomes.

Even then, free will is maintained, as the borrowers can always say no, even if it is severely impractical to do so.