I agree, Douglas, humans tend toward cooperation and yet a tiny few of us are selfish capitalists. I think that is becasue we live under a system of usury hundreds of years old and the psychological consequences of that we see all around us. Usury: the abuse of monetary authority for personal gain, is what our global banking system is based on. Monetary authority is vital for democracy, without it there is no democracy. We all know money in our system is a problem and yet we don’t look at it to find out what is wrong with it. Instead people imagine all kinds of scenarios about how cleverly or evil someone applied money as if money were just a neutral actor. Money is a tool that is being used as a weapon with usury. Money should be a public tool for accomplishing, for instance, the purpose of government as articulated in the first sentence of the Constitution. While the Constitution gives the power to create money to Congress, publicly issued money (except for the coins) has only happened twice in American history, once to win the revolution militarily and once to defend the nation from dissolution at the civil war. But as Salvador Allende said, “We won the revolution but we did not win the power.” The power is in the control of money.