> Most people aren't bankers, and don't really understand how it works as a system, beyond their own account, so it's weird to ask them to make key decisions here.

That's a strange principle to hold, especially if it wouldn't apply to any other asset. People are generally free to own securities no matter how complicated their structure. But the fiat system seems to conveniently siphon lending power from account holders to account managers -- effectively centralizing economic planning to financial institutions by fiat.

Saying "central banking is good" is like saying "government is good". It definitely can be, but it can also be murderously oppressive. The question is, how did this economic decision maker come to be -- and why are they in control of your money instead of you.