Culture refers to patterns of behaviour, attitudes and beliefs that are common to a group of people who commonly share these attributes and who use them for their identity.

It is helpful at this point to consider the big picture, the underlying political economy of bank capital. In a laissez faire world with no central bank and no financial regulation, banks would sink or swim with no expectation of being bailed out by the state or its agencies if

Price discrimination is a practice used by firms with monopoly power, monopolies or oligopolies. This is because consumers in monopolistic markets have no choice but to buy from the monopolist.

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