no reason a group of poor people can't come together and form their own private bank.
Right
as a result of poor people acting immorally and resorting to theft.
Or is it the rich have acted immorally and resoted to theft?
You assume all poor people act this way that is wrong, stereotyping and promoting hate and misinformation about one class of society.
So I guess his answer is that you would be a immoral person for doing that
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