We need to have a locked-in banking system;  So therefore we can establish an efficient and effective economy and to give a fixed return to the consumer and secure loans for homes, cars, personal etc we shall  do without Fannie mac and Freddie Mae and Fifo. The bank can give to their people with savings and/or checking   interest on the accounts a secure amount that the bank can afford and pay interest overtime. And have the Federal reserve back up the client entirely.