How to replace the central banking system?? Have a truly free market.. Here is one company doing just that on a small scale.. <a href="http://www.prosper.com" rel="nofollow" target="_blank">http://www.prosper.com</a> <a href="http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0001416265&owner=exclude&count=40" rel="nofollow" target="_blank">http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0001416265&owner=exclude&count=40</a>