After a moment's hesitation, the house-elf Waki timidly raised her hand.

"Chef, what you said is something that everyone at Hogwarts can do, and it's not too difficult for us to serve and record the daily life of the little masters, but I don't understand how these can solve the current dilemma. ”

The elf's voice trembled a little, as if he was afraid that he would be punished for asking the question.

However, she knew that Elena Kaslana was not the kind of cruel and ruthless wizard, and although she was exceptionally strong, she would most of the time generously answer some of the more stupid questions.

The loss of Hogwarts Round-faced Fat Chicken Express now mainly comes from the debt repayment behavior of some wizarding families.

House-elves don't have a say in a family, and they can't use some of the more aggressive methods to collect money - in fact, even the owner of an elf can't theoretically order them to use magic to directly attack other wizards unless it's to protect wizards.

Weak house-elves are not qualified to live.

Therefore, any house-elf who can serve wizards in the wizarding world is definitely not weak in their own magical strength, and in order to ensure that these "servants" do not secretly cut their throats one night, wizards have never stopped enslaving and educating house-elves, forcing them to actively abide by these rules from generation to generation.

"Quite simply, the credit system and virtual currency are settled directly. ”

Fairy Douglas cocked up his finger and replied softly.

It glanced up at Elena's expression, and seeing that she didn't mean to interrupt, it continued to explain.

"Gringotts Wizarding Bank has already formed an extremely mature accounting system in its long business dealings, and as long as your financial system is connected to Gringotts, you can directly deduct it...... As for those who don't have money in the vault, we can also temporarily record them as negative and adjust their credit rating to be blacklisted customers. ”

The house-elf Vaci nodded incomprehensibly, but Kurt Maier was silent for a few seconds before he suddenly spoke.

"However, if the Gringotts Wizards' Bank directly deducts the wealth from the wizards' coffers, will it cause a new round of turmoil? ”

"At this sensitive time, the goblins are once again reaching out to the wizard's wealth, and there is a high probability that something will go wrong. ”

"Although we are not afraid of fighting in terms of absolute force, according to your deployment, Miss, this time should not be the time to directly announce our existence to the entire wizarding world, what should we do if someone storms Gringotts?"

The conflict between wizards and goblins...... Banker-depositor standoff......

Elena glanced thoughtfully at Kurt, reaffirming the political acumen of these older generations.

Compared with house-elves who focus on details and goblins who pay attention to the gains and losses of rules, they are better at thinking about problems from the perspective of human nature, especially the drawbacks that some of the more subtle confrontation and resistance may bring.

"Yes, if Gringotts deducts the wizard's deposit directly, there is a risk that there will be another controversy or conflict. ”

Elena bowed her head lightly and said unhurriedly.

"But Gringotts Wizarding Bank is an executor, not a decider, this time. ”

"Hogwarts will lodge a protest with the Ministry of Magic and Gringotts, and resolve the issue through conventional judicial arbitration. Don't forget, more than half of the wizarding world's personal savings today come from gold coins lent to Gringotts by Hogwarts. ”

In other words, the gold coins that returned to the hands of wizards had a uniform label - [Hogwarts-Golden Gallon], which was a debt symbol that carried the magic contract. I don't think there's any reason for either the Ministry of Magic or the Wizengamot to deny Hogwarts a legitimate claim for this part of the funds. ”

"As for the blacklist, it's good to simply record it, and the service still has to be provided. After all, we're a large conglomerate with a conscience—it's not our goal to make profits, it's to change the world is—"

Elena had already thought a few months ago that in the wizarding world, the Gringotts Wizarding Bank might face doubts and challenges for a long time to come, and in this case, temporarily fading the subjective voices of goblins and Gringotts, and letting the largest shareholder, Hogwarts, put pressure from the side, is undoubtedly the simplest and most effective means of termination.

The Gringotts Wizarding Bank could not resist the wrath of the wizards, so it was no surprise that they would refuse Hogwarts' reasonable demands - the wizarding society was too weak in this regard compared to the non-magical world, where the legal profession was mature.

Besides, even if the wizards' coffers don't have so many gold coins in their coffers for the time being, it doesn't matter, under the supervision of the joint witness of Hogwarts, the Ministry of Magic, and Gringotts, it is completely possible to pay in installments and repay it slowly little by little - usually, this kind of thing is relatively rare, after all, most wizards' family coffers can still pay for this month's meal.

As for the personal account system based on the "Magic Identification Code (MID)" since then, it has completely eliminated this chaotic big pot of rice and opened up virtual payments that are at least 20 years ahead of the entire era.

Among them, although the value of the currency of [Hogwarts-Golden Gallon] will not change, as the Destiny Consortium and the Gringotts Wizarding Bank can influence more and more shops and industries in the wizarding world, it is still easy to make some hidden and smiling purchasing power adjustments, and not many people will be unable to live with a better and more convenient life.

Of course, there are still some hidden dangers in this.

If the Ministry of Magic senses the power behind this series of payment methods in advance, and wants to use political tactics or some other means to forcibly take away everything that Elena operates...... Then the Hyperion, it may need to be dispatched.

However, in Elena's plan, whether the money can be recovered or not is not particularly important.

In some cases, the process ...... Often more important than the result......

Hogwarts to collect debts, through the existing legal channels in the wizarding world?

This sounds wonderful, but it seems to have a serious reality.

As the chief magician of the Wizengamot wizarding court, Dumbledore frowned and interrupted with a light cough.

"Miss Kaslana, I may need to remind you of something. At present, judicial arbitration in the wizarding world relies entirely on the Law Enforcement Division of the Ministry of Magic, as well as the Wizengamot Court, and if you follow your idea, then the number of lawsuits may be ......"

"Oh, yes, of course. With all the gentlemen now, you will definitely not be able to cope with it. ”

Elena smiled slightly, her fingers slowly tapping on the table, and sighed softly in an angelic voice.

"It's shocking that the Ministry of Magic has relied entirely on pure-blood families for its revenues over the years, as well as grants from the Gringotts Wizarding Bank—it's so sad that as an important institution for maintaining social stability, it hasn't even considered setting up a dedicated national tax department. ”

"Gringotts Wizarding Bank has fully shrunk its operations and is fully equipped to assist the Ministry of Magic in its tax inspections, while on the other hand, in cases involving commercial disputes, goblins can act as legal assistants to help wizards sort out the ins and outs. ”

"The unemployment rate will affect the stability of society, and the biggest problem in the wizarding world today is that the growth rate of jobs cannot keep up with the growing wizard population? ”

Faced with Dumbledore's question, Elena replied quickly without thinking.

There are many ways to change the world, and a person who eats all the cake is undoubtedly the most stupid thing to do.

The Ministry of Magic has always been hungry for more voice, higher social status, and better living conditions.

Perhaps there is still pure idealism at the grassroots level, but those who choose to enter politics in the wizarding world and reach a certain level must remain quite consistent on this point...... Cornelius Fudge and Crouch Sr. are two prime examples, and politicians are the easiest people to communicate with as long as they understand their demands.

Whether it's elves, house-elves, or even giving Hogwarts more of a voice, none of these are as important as elevating their social status, family prestige, and personal wealth in the eyes of the Ministry of Magic's politicians.

You must know that there are some things that come up with the mouth of the Ministry of Magic, which will obviously make the two sides have a better experience of cooperation.

And the financial dispute cases, which have been piling up for a whole month, are such a very ingenious opportunity.

Such a large number of cases would collapse the current fragile judicial system in the wizarding world in an instant, and the large amount of money would constantly irritate the receiving Ministry officials to remind them of their own poverty - and more importantly, Hogwarts would continue to file new lawsuits for a long time afterward.

Even if Dumbledore hadn't asked the question, according to the original plan, Grindelwald would have taken the initiative to ask.

Now the situation can be said to be the most perfect process, Elena's smile is getting brighter.

"In fact, from the information I have, Gringotts had previously considered the business of being a Ministry of Magic. ”

The full name of the project is called Internal Revenue Service, or IRS for short, and it is mainly an analysis service for income-related matters within the wizarding world. It's just because ...... Well, for some reason, it was forced to delay. All we need to do now is to awaken the memory of the Ministry of Magic and offer a more sincere plan for cooperation. ”

————

————