Hijexx wrote:
I also think there is a clear distinction between "banking" and "fractional reserve banking." I don't find it radical to distrust an economy based on fractional reserve banking.

Basically, every bank in the world is a fractional reserve bank with the exception of banks that operate according to Islamic law, so I'd have to disagree with you there.

WRT to "stock market annuities with set upper and lower bounds for return" are you referring to equity-indexed annuities?

Yup.

RE: Subprime lending not main trigger of real estate bubble