Hi Dr Clardy, economy is not my forte but I loved your insightful and articulate story. Your exploration of free banking versus regulated banking was as illuminating as it was thought-provoking. Your ability to break down such complex economic concepts with clarity is truly commendable. Even I learned something with my low economy background. While I remain intrigued by Dowd's advocacy for financial laissez-faire, I can't help but wonder if my inner pragmatist isn't still a bit wary of the potential for chaos in a system without some regulatory safety nets. Looking forward to your next story where you tackle Dow's arguments. It is always a pleasure to see both sides of the coin in such a balanced manner in your educational stories. Thank you for sending this exceptional piece to ILLUMINATION-Curated giving voice to scholarly professionals like yourself. I am grateful for your contributions 🙏