""Our Defective American Banking System"" is a book written by Frederick William Gookin in 1909. The book explores the flaws and shortcomings of the American banking system at the time, highlighting the need for reform. Gookin analyzes the structure of the system, including the role of national banks, state banks, and trust companies, and argues that it is overly complex and inefficient. He also critiques the lack of regulation and oversight, which...