I was stood in line at my local bank branch this morning. On the ad screen they were showing a new idea from Visa: sign up to this new scheme and you will bombarded with ads for the kinda stuff you like to buy (yes! they are quite open — even boastful about this!) Click to buy the stuff you’re offered and they’ll give you cash back into your bank account 5 days later. Money has become a drug and the banks are like the worst pushers.

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Frank is a retired Engineer from England now living in Ireland. He is trying to learn and share the lessons of history.

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