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Rather than blindly trusting elegant but simplistic theories about the nature of historical change, we urgently need to focus on how the next wave of disruptive innovation could affect our social, democratic, and civic institutions. Leaving it to tech entrepreneurs risks more destruction – and less creation – than we bargained for.
proposes three principles to ensure that the benefits of the next wave of disruptive innovation outweigh the costs.
While banks and the policymakers that support them claim that banking regulations would harm average Americans, these threats are based on falsehoods and misinformation. Simpler, more effective rules would compel banks to rely more on their own equity, thus forcing them to overcome their addiction to borrowing.
debunks the misconceptions propagated by financial executives and economists opposed to regulatory reforms.