Fiscal conservatives often are blind when it comes to alternatives to the "so called" commercial banking system. Many conventional Republicans are ignorant or simply carrying the water for the crony capitalist banking establishment. The fractional reserve banking monopoly that operates under the auspices of the privately owned Federal Reserve System, despises any trace of competition. The bondage from debt created money has doomed Main Street to the fate of contrite beggars in search of securing loans. Useful purposes for business financing are not sufficient reason for the qualifying for commercial credit.