If you take everything in court terminology you find that it really applies to the river. The current. The currency.
The banks (of the river) control the currency flow.

You can go more in depth and find that EVERYTHING in the court is tied to the nautical language. And, here in The US, all courts are Navel (wish i could remember the correct word) courts. Courts of the sea.

There is even language that describes that a judge is the banks representative.

But, this all seems normal to us, who accepted the line that "the banks give us money to buy a house".

We think it is normal to pay them back in currency.

However, this attitude puts all the burden on the people, and very little, if anything on the bank.

In the future, i do not feel the laws will change, however the banks will be done away with. And then, the law will act like we think it did in the first place.