A particularly prevalent example of fraud is found in fractional reserve banking; 2 the fractional reserve bank keeps only some fraction of the money deposited and loans out the rest. Consider a full reserve bank; various people come and deposit 100 ounces of gold, and the bank therefore gives these depositors in total certificates for 100 ounces of gold.

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My career began in corporate psychology as Head of Psychological Services at Ukraine’s largest commercial bank, where I built and led the psychological risk unit. I designed a large-scale screening program, led a cross-regional team, and conducted behavioral evaluations for high-risk roles.

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So, in addition to organising resistance to the state and capitalist firms, these community unions could play an important role in creating an alternative economy within capitalism. For example, such unions could have a mutual bank or credit union associated with them which could allow funds to be gathered for the creation of self-managed co-operatives and social services and centres.

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