Have you ever thought about the fact that banks actually don't have that much money? In reality, almost all major banks are on the brink of technical bankruptcy. Santander, Deutsche Bank, Royal Bank of Scotland—no exceptions. Why is this happening? It's not a natural disaster or an accident. The root cause lies in a system called the "fractional reserve banking system." This system allows banks to lend out your deposited 100 dollars, sometimes 900 dollars or more. They can lend money that doesn't even exist. This has been a long-standing scam, but it has been legalized. Who are the masterminds behind this? The political system and central banks. They use a nice-sounding name, "quantitative easing," to mask its true nature. Basically, it's printing money—currency counterfeiting. Ordinary people would be charged with serious crimes for doing this. But the government and central banks can do it recklessly every day. Central banks also artificially keep interest rates low, distorting the true cost of capital. They manipulate the most important interest rates while blaming commercial banks for manipulating LIBOR. Isn't that absurd? A deeper issue is that we are also told there is "deposit insurance." What does that mean? It means that when banks collapse due to their incompetence and fraud, the final payers are taxpayers. Your money is used to fill their holes. Essentially, this is a transfer of wealth from taxpayers to bankers. A system that privatizes profits but socializes risks and losses. Is this fair?