As I see it, the economy can be divided into three main groups: 1.) those who are willing to work with risk and 2.) those who are willing to work for those who are willing to work with risk and 3.) government employees and all others…
Yep! That is my quote, AthairSiochain, so let’s just take a look around and see what are some common elements about risk. The very first thing is that there is a serious limitation in being to predict the exact dimensions of a risk. While people generally can identify risky behavior (smoking 2 packs of cigaretts a day, drinking a quart of hard liquor a day, etc) some groups are statistically riskier then other groups (e.g, teenage male drivers have riskier driving habits then girls of the same age).
Once we establish that risk exists in life itself, most people would like to go on with their lives by trying to protect against the impact and effects of an untoward event. With enough people having such a desire - insurance as a concept naturally developed. By this, I mean that there was a pool of similar people, all sharing the same preceived risk and wishing to avoid it - and - willing to pay a small amount to avoid a very large loss (assuming a dollar amount can be placed on such a loss).
I drive a car and I do have insurance. One reason why I have insurance is that it is a state law. Another reason I have insurance is to protect other people should I be at fault in a motor vehicle accident. A third reason for insurance is to protect my money should the car be damaged or stolen. This is only one type of insurance - but, the concept of a pooled risk - applies to all forms of insurance. So, what does this have to do with your question - much less the thread we are on? Let’s move a another level…
If you have an idea that the world would be a better place if… ‘x’… and you really believed it. Then you would probably try to sprad this idea around in your immediate group of friends and acquaintances. You get feedback that may cause you to refine your idea - but, you first had to take the risk of announcing it - and possibly being laughed at and having your idea rejected. Most great inventors experienced similar activities. But, mere ideas must be made real if there are to go anywhere - so - you move on to the development and implementation stage. This usually costs money - an asset you are willing to risk to see your idea take shape. Many ideas die at this stage… no money at all to risk or what proves to be an inadequate amount of money because the project appears to be a bottomless hole you are throwing your money down. But, you continue and finally have a product - that does what you want it to do! Just look back and see what you have done - and, what you have risked in the process. Your name and reputation in front of others whose opinion you sought were on the line. Your money and other assets that were needed to bring this about were wagered on the success of your idea. Few (if any) stepped forward to help move your idea forward. And, now, you seek patent protection to safeguard your idea from theft! Yet another risk - and the general population still does not even know about you or your idea. Such an undertaking is not for the faint of heart!
I could go on…
…but, I think you get the idea. Look around you. All the products you see right in front of you (like the computer you are using to view this post) were once just ideas. They did not exist in reality. Someone had to put the money up + the time and effort and vision to see the idea through - before these things existed in general. And, then, existed in your world since you now have them to look upon. There are many who do not want to take on this risk - but, are willing to work for a company (a company that many years ago never existed and prior to that, the idea for this company was only in the mind of the founder.) People that succeed in addressing risk - moving from an idea to a product that is sought by others - are rewarded by the multiple sales of their product. This reward is not based on how ‘nice’ or ‘interesting’ their idea was - but, rather - the prodcut from this idea addressed a need that the cousumer had - and they bought it.
This is a general view of what I was trying to explain about our economic system. Decrying those who take risks, bring products to market and are rewarded for their efforts is simply counter-productive. If you succeed in ‘wiping out’ the landlords and bankers because of this Marxist view of capitalism you are championing - who will feel safe to bring any idea forward?
I cant understand your thinking----- why work with a risk—landlords/money lenders dont take risks unless their greed overpowers their thinking;. the tenants live in fear of eviction, so they pay a high price for looking after the landlords investment,
SO WHY ARE THE MONEYLENDERS ALLOWED TO LEND BETWEEN $10 AND $65 FOR EVERY DOLLAR DEPOSITED IN THEIR BANK, ,
Answer they use future mortgage payments and equity as security, manipulation of the property market, forcing prices up creating equity. this is no different than creating illegal counterfiet money, any individual that run a business like that would go broke the first day. unless it was made legal to run a business without any funds , other than what is borrowed from a moneylenders,
This idea you have presented does not work anywhere in the civilized world. If you think it does - then I challenge you to produce the name(s) of the country/ies where it is working
God bless
Tom
I thought you had given up on this.
Sometimes there is a problem in actually identifying or distinguishing hyperbole from actual direction. Ultimately, if this is the case, all is lost! 
) to feed the cupidity of landlords and bankers at the expense of everyone else, leaves no where to turn. While ‘class envy’ seems to be the basis for ‘…getting rid… of the landlords and bankers…’ you have yet to come up telling the list just what will replace it? You seem to think that Marx’s theory is sound - and obviously Lenin thought so too! So, where can you show us where your dream economy (as opposed to the nightmare you are having here) exists? Yes, I am still waiting.