There’s also a muddle about what even a genuine democracy might bring. Out of the purported 99% of Americans who are not double-filthy rich, do really anywhere close to half of them hate banks so much as to want to summarily topple them? The ancient Greeks with their accurate plebiscites would have spat on these rabble rousers claiming to represent the will of the whole (or even the 99% least wealthy) of America.
Our Founding Fathers wanted NOTHING to do with democracy, which they saw as mob rule.