Bananas + cream, or apples + cheese... both are a combination of sugar and fat. Carbs + fat eaten together create a very difficult to digest sludge in the stomach in the presence of stomach acid. I was on a diet for several years that eliminated those combinations entirely, allowing carbs in the morning (cereal, fruit), then no carbs the rest of the day. Very similar approach to what you're writing about, and VERY effective. Thanks for this excellent perspective on the problem with our diet. If only our government woud get a clue!! :D