It's too late, but if one had to start somewhere when it comes to (((financial innovation))), it would be at HFT/"high frequency trading" Arabs banned lending with interest centuries ago... On the flip slide the west capitalized on what I call "the projection of money", the capacity to exchange a mere piece of paper for tons of gold, from pretty much any place in the world, a promise rendering tons of gold pocket sized. Of course it comes at a cost. Call it the jew system if you will