Grace as in creation/creating, distributing/gifting and ethical as in fully considering and treating the individual as an end in him/her self is the pinnacle and originating aspect of a sane banking system and would be the equivalent of a central bank except that it would not be the hand maiden of private finance as it is now, but rather its wise and ethical master. Below this is the Public Banking structure whose function is to wisely and ethically underwrite and then distribute the money created by and distributed to it by the central bank. This ever present temporal/structural reality is reflective of the omni-present and ethical quality and aspect of the experience of Grace. Finally, private finance would also be tolerated with aggregating only priorly generated profit and savings, but not be enabled to leverage such. Any of its intermediations of money would of course also be scrutinzed for their ethical originations and intentions.