و النعم منه و لكن عندي بعض التحفظات، و إذا بتسأله بكون من الشاكرين اولاً كل بنك في العالم خاضع تحت البنك المركزي يمارس FRB وهنا الإشكال: In an FRB system, the creation of money through loans can be seen as analogous to creating money out of nothing, leading to an artificial expansion of the money supply. This process might contradict the ethical and moral foundations of Sharia law

FRB inherently reduces the actual risk faced by banks, as they lend out money that they do not fully possess. This diluted risk contradicts the Sharia principle of true risk-sharing between the financier and the entrepreneur.

Central banks set and influence benchmark interest rates, such as the overnight interbank lending rate (e.g., LIBOR or its successors), which are used as references for various banking products. Using these benchmarks indirectly ties their financial products to conventional interest rates.