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Banks should adhere to the principle of "houses are for living in, not for speculation," adjust and optimize their credit structures and implement long-term mechanisms to maintain the sound development of the real estate market, the central bank stressed.

Barr replied, "I feel complete freedom to do what I feel is right."

Banks were unable to make profits from loaning to safe customers at low interest rates, so they made housing and consumer loans to people with bad credit at very high interest rates. Eventually, this boom led to the housing market collapse and the global financial crisis of 2008.

Banking institutions and non-banking payment platforms should not require or induce business entities or individuals to refuse or take discriminatory measures against cash payments, and these practices should be rectified within one month, the statement pointed out.

Barbagallo's first job was flying a small airplane in Australia. He also had to work part time in a bar "pulling the beers" to earn enough money.