The whole concept about money is imagination and financial institutions are just agents for government to control people's lives. Banks operates on the principle of Time Value of Money (which says that today's money is worth more in tomorrow). Interest on loans have become a normal practice for any loan provider. A person who do business wants some profit and give out loan is no different. Even with the imaginary formulation of these loan money by banks they still tell the world that there is recession: no money to give out. And I ask myself what a world we live in.