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Directed Credit
In theory, you could put a tax on lending for certain things. Let's say, i want to open a liquor store. Ther that might be they could make, they could add frictions to do that. Or if veterans were coming back from what were two part of the gi bill - putting them through college and then giving them loan guarantees when they wanted to buy a house. And so they would make their loans pysically risk free for a bank to lend money to. And therefore, they would effectually lower the cost of credit. So that goes back to the cantillian effect of who gets access to cheap credit and who does not.