Beneath the polite veneer of “insured deposits” and smiling tellers lies a system that is unstable by design, coercive in operation, and parasitic in its effect on real wealth. Banks don't just hold your money. They gamble with it. They claim ownership over it. They leverage it. And when they lose, you pay — not them. I. The Time Bomb Called Fractional Reserve Banking The rot begins at the foundation: fractional reserve banking. You deposit your paycheck, thinking it’s safe. In reality, the bank holds only a fraction — often less than 10% — of your deposit in reserve. The rest? It’s loaned out, invested, or funneled into derivatives so tangled even regulators don’t understand them. This isn’t just a…

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