Two of the basic socially useful functions of finance are credit and
insurance. The basic banking function is providing credit.  It seems
to me the whole notion of spreading risk is an insurance function.

If it is true that the profit making motive warps private
corporations' ability to carry out these functions optimally,  then
this would be the best justification of "nationalization" or state
ownership of the biggest speculative and insurance companies. If this
is true, I don't think it has been articulated by the big names such
as Krugman or Stiglitz. Maybe Galbraith has (smile).

Charles
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