Islamic Banking a flawed totalitarian concept ?!

what is islamic banking?
Islamic banking is a concept derived from the fact that in Islam forbids taxing people or charging interest for lending money. Thus a concept evolved where rich financiers, bankers or banks will lend you money to start your own business without charging any interest but instead they will be partners in your business and there is written guidelines on how much equity they will own in your business. Some say it is an 'unwritten' guideline where banks cannot own more than 50% of the profit or equity in the business of the person whom they are lending the money. Here are some of my observations

1. It is an unwritten guideline that banks or financiers cannot own more than 50% of the equity of the business of the person to whom they are lending the money but it is an unwritten guidelines which means the bankers are not obligated to obey it under islam or under the law of the nation and one can easily demand more equity or profit than 50%.
2. if a bank has lend money to 1 lakh people then banks now own an equity upto 50% or more in each of those businesses ranging from hotels, restaurants, autos or even mega ventures of ambanis and tatas. Now banks are partners in these businesses and thus they now have to manage all these businesses too since they are partners. Imagine a bank managing 1,00,000 businesses. Most of the companies die because of improper management and if one bank, banker or financier tries to manage 1,00,000 banks then its a death of the society since no businesses will prosper. This is totally impractical.
3. It is very easy to discourage non muslims from trying to get a loan from these islamic banks by just asking too much equity in their businesses. If a muslim wants to own an auto then the islamic banks can ask him to give 50% (sitting) partnership benefits and for a muslim just 5% partnership benefits and obviously a non muslim will go to some normal bank where banks will only ask a % of interest for the money that they given you but not from the fortune that one can make from that money.
   Let us look at the saudi arabia the birthplace of islam and it has quran as its constitution. Unless you are someone who is a saudi citizen then you cannot own a business or run a business in your name.
   It also provides a possible dangerous means of induced conversion to islam by offering % free loans to non muslims or offering conditional loans only after conversion.
4. If all the banks start to follow Islamic banking then it only means that the corruption will increase since banks or the bank manager will have the ultimate say in how much equity the banks can have in a business and there are no particular guidelines, the possibility of backdoor dealings will increase exponentially to bribe the bank manager or the authorities in the banks to decide in favor of them so that banks own as less equity in their business as possible.
5. This will also mean that corrupt bank managers can make a deal with shady business runners and lend them a lot of money and show fake losses and since the banks also share the losses here , banks will lose all the money. Ex:- I will make a deal with the few corrupt bank authorities to lend me  1 crore from the Islamic bank and let the bank own 90% of the equity. Then I will declare that I suffered a huge loss in my business and show the manufactured records for it too. Now since banks own 90% equity, banks now suffered 90% loss of  the 1 crore money that they lent me. In other words banks are responsible for the 90% loss and I am only responsible for the 10 lakhs. Since banks are partners in too many businesses (let us say they have lent money to 1lakh businesses thus they are partners in 1 lakh businesses and it is impossible for a bank to manage these 1 lakh businesses thus they will fail to monitor how their money is being used which leads to easy bank frauds).
6. If the bank has lent money to 1 lakh businesses then they have to have atleast 1 lakh more employees places in each of these businesses to make sure that the money is being used correctly and the business is being run correctly. This employee of the bank is also a potential CEO or a director in the board of directors so he has to be paid a huge salary too as per the salary structure of a CEO and if not he can be easily bought by the borrower of the money to show fake losses. Can a bank afford 1 lakh CEOs placed in all of the businesses of they co own and pay them well in crores p.a. ?
7. Since here banks also share the losses it will very easy to fund the islamic terrorists by just lending them money with maximum equity to bank and show losses later so that the terrorists can keep the money. ex: as a terrorist i will get 1 lakh loan with 90% equity to the bank and i will show a complete loss and pay 10k to the bank since i owed only 10% of the equity in the business.
8. This can be easily used for money laundering too in the same way as stated in the point above.
9. Islamic banking will not give loan for beauty parlours (since it is against islam), or a meat shop for sikhs or hindus who eat jatka meat but not halal,  no laon to make a movie, or music album, or music band, or art gallery since these are all against islamic principles.
10. It's often been argued that many countries are following it and thus we should do too. If tomorrow someone starts to commit suicide should we do too? Why should anyone follow a sheep of herds if it is leading you to the wolves?
    If these countries like Malaysia, saudi, UK have islamic banks then has anyone produce a record of how many non muslims have been given a load in these banks?
    What % of loaners are non muslims in these islamic banks ?
    What % of the banks in these countries are islamic banks? The % of islamic banks in malaysia is less than a single digit. If somone has a different figure then I'm do let me in the comment section with proof.
    Where do these countries stand in the graph of the world GDP?
    UK has only a handful of such islamic banks to appease muslims and to provide an uneven advantage to muslims where muslims get loan without any interest but non muslims have to go to regular banks and pay a hefty interest every month because non muslims are discouraged to get a loan from banks with all the possible red tapes and demanding a very huge equity in their business.
11. what if i want to take a personal loan like a loan for my marriage? will the bank own a part of my marriage? What if I want to buy a car and want a loan for that, Do i have to give a % of the equity of my car to the bank? If someone has to take a student loan from these banks then a % of his lifetime income should be given to the banks, in literal terms I will be paying upto 50% of my salary to the bank till I die and a % to the govt. as professional tax. Here islamic banks are helpless and they will just deny the loan saying we offer only loans for commercial purposes.

One Law One Nation (My Idea of uniform civil code)

If you have 3 children and if you are unfairly lineant and dear to the youngest and provide unparallelled advantages to the youngest over his or her siblings then it is obvious that the other two will be jealous, which leads to hatred and anger. This is the main basis of division in the society. When we declare all of us to be the children of this nation but still provide unfair advantages to one section of the society in the name of caste, religion, origin or other reasons we create not only jealousy among the members of the society but divisions leading to collisions and disharmony. This is only beneficial to the people in power to remain in power since now people can be busy fighting each other than fight those in power to do right for the society. This can only benefit the western countries which are actively funding such reservations and castist movements in bharath (Hindustan or India) so that the real talent can run away from bharath to come to them to prosper their nation since in bharath now the progress and recognition of a person are not base don merit or talent but based on caste, creed, color, religion, origin and affiliations. A huge chunk of NASA, Microsoft, Google and many corporations are bharatiyas (hindustanis or indians) which shows why our system is rotting since those who run the systems have been put their not because they are qualified or talented but because they are from a reservation category. This unequality is not just about reservation in jobs or college admission or other aspects of power in the society but it is scarring our society in the name of feminism which has become a disguise for the Marxist fascism.
Things need to change irreversibly

1. end of any kind of reservation in any field for anyone.This means now all the posts in govt. or private sectors will be filled by those who deserve it but not those who reserve it. This also means right people doing the right job and no brain drain will occur which is holding back our country.
2. no separate legal or political privilege to any particular gender, religion, people of origin or any community of people.
   This means all the gender privileges given to women will be taken off. Currently a women can accuse a man of dowry harassment or domestic violence and his entire family can be put in jail without any warrant or any preliminary proof. Currently a women will get half of a man's property after divorce. So all a pretty women has to do is keep divorcing men to get half of their property each and every time. overwhelmingly more than 80% of the cases filed by women on their men are proven to be false or incorrect to take revenge on them in the court of law.
   This also means that no temples will be taxed or controlled by govt. since no mosques or churches are controlled or taxed by govt.
   No muslim will be allowed to marry 4 wives since all can have just one legal weding partner at a time. In india there is a scarcity of women to men as per the national gender ratio and to correct it this is necessary.
   no mosques will use loud speakers and nor do the temples which disturb others who are in and around those places.
3. no more more draconian fascist feminism They claim that men and women should be given equal rights but with the method of mere fear psychosis fascist feminists have divided our country between genders. Women have been given more benefits of being divorced than being in a wedlock. Unless there is a pre nuptual agreement a couple will not share each other's properly after divorce and no one needs to pay any kind of alimony to anyone. There shouldn't be any gender based reservations in the system too. no more abuse of domestic violence or dowry harassment cases where a women can get the entire family of the husband in jail without an option for bail and they dont need to prove in court that dowry harassment or domestic violence took place but instead the man's family and the man has to prove that it didnt take place. so here the man will be assumed guilty until proven innocent.

'ADticles' the new age of sublime and deceptive advertising

When I read the story about how 'Google Saved An Estimated $887 Million By Paying Adblock To Show Its Ads' i wasn't surprised at all. Politicians have been using media houses to promote themselves by making these media houses run their promotions in the form of genuine articles. Nobody wants to see ads now, If the user has a chance then he will completely do away with all these advertisements. The famous transformers live action movies series one of those movies where automobile companies lined up to be featured in them. If you haven't yet wondered why do most of the users in hollywood movies use mac with that shiny apple logo than a PC ? even thought PC users are more than 75% of the total global computer users.
News agencies have realized that their consumers now have gone smarter by and they might be using methods like browsers add ons such as adblock plus, flashblock or ghostery which will take out those annoying ads out of your webpage. Many people are moving away from regular news channels to e news and regular TV entertainment to downloads and streaming. In order for these media houses to survive and thrive they are now throwing us the ads in the form of articles which i like to call as ADTICLE (Ad+article) which is basically an ad in the form of an article. I am noticing that these adticles are increasing day by day in my facebook newsfeed from the pages i have liked and following. So, next time when you wonder why are you seeing four to five new articles about one particular brand, product or person then make no mistake that there has been a serious amount of money spent to make you see that.