“Just give us the money”

Willem Buiter outdoes himself.  See if you can guess where this is going.

My wife and I are the proud owners of all the common stock in a small company, created originally as a vehicle for supplying consultancy services.  Because we are both US citizens, the company is registered both in the US and in the UK. Over the years since its creation, an awareness has grown inside me, that what we really own is a bank: money goes out (quite a lot) and money comes in (not quite enough).  All we lack to be a proper bank is leverage and a marble atrium.