I would auction shelf space at my mega chain grocery store to large brands. The highest bidder would have the opportunity to buy up all the shelf space in order to bury any potential competition. The bidder could create 100s of different labels of essentially the same goddamn product, in order to maintain the illusion of choice, maximize consumer confusion, and thus maximize the time a customer spends thinking about the shelf-dominant brand, for some otherwise dead-simple purchase, such as toothpaste.
This sounds good, but I don’t fully grasp the covered loan aspect. So the bank is required to sell a matching bond on the open market. What’s the difference between the rate on mortgage and the rate on the on bond? Is it also matched or just the principal? Does that make the interest a wash for the bank, so that their primary motivator is fee collection?