I think we can all do this...
STEP 1 : create my own bank
STEP 2 : Loan myself $100,000 to pay off my mortgage (must convince bank NOT to cash the check)
STEP 3 : Pay myself intrest on the loan
STEP 1 : create my own bank
STEP 2 : Loan myself $100,000 to pay off my mortgage (cash the check, spend it fast)
STEP 3 : Pay myself interest on the loan
STEP 4 : Convince others to pay off the loan for you
There. Now it works like you were a Democrat!