The latest tirade against Canada’s banking system isn’t coming from a leading economist, but from a 12-year-old girl from Cambridge.

A video featuring Victoria Grant’s lecture to a bankers’ conference in Philadelphia has gone viral, garnering more than 74,000 views since it was posted a week ago.

Reading without notes, she sounds off for six minutes about the evils of Canada’s banking system.

Here’s how it went…

Grant argues tax payers are being ripped off by a government that borrows money from private financial institutions instead of directly from the Bank of Canada.

Grant’s arguments have appeared in more conventional circles, such as the think tank the Canadian Centre for Policy Alternatives.

Her YouTube videos, posted by her father, have also made headlines at U.S.-based financial media outlet Bloomberg.