Bright Simons spent precious time out of his busy schedule to respond to my article, which sought to bring clarity on his earlier take on the Exposure Draft on Non-Interest Banking released by the Bank of Ghana. In his response, Bright Simons dwelled on a point I had made, which he duly quoted in his response. To provide a context for my response, I would like to quote my earlier statement on which Bright dwelt. “Indeed, central banks in secular countries do not have to change banking laws to accommodate non-interest banking. I did not just make this statement in vain; I supported it with another statement: “The Bank of England did not have to change the banking laws.