Answer:
Government ruled by one or few
Credit unions are usually private and you have to be invited to join it
Some reasons for abolishing the Electoral College and introducing direct vote for the candidate are the following
1) voting would be more transparent and understandable to voters
2) voters might be more motivated to vote because their vote would have more direct influence
3) a sitation when a president did not get a majority of votes would not be possible (as it is now).
