(d) what would happen if consumer loans were directly issued (statistically) at

(d) what would happen if consumer loans were directly issued (statistically) at zero interest for durable goods?
(e) what would happen if the treasury provided banking for the ‘bankless’?
(f) What would happen if liquidity was delivered directly to consumers instead of banks? https://twitter.com/curtdoolittle/status/1597659345676029952