Truth Speaker.net

The American Banking System Is a

Dysfunctional Disaster

Setting the Stage   

Money and the Environment:    

The environmental crisis and the economic crisis are intimately interrelated.   The reversal of Runaway Global Warming and the return to Economic Sanity are like two sides of the same coin.   You can't have one without the other.   If humans are going to reverse Runaway Global Warming  and its resultant, highly-destructive Global Climate Changes  before they becomes unstoppable, we must start by resolving our economic crisis. ^**msc1

The Time Frame -- 

Our Fast-Closing Window of Opportunity:    

When the politicians and corporate executives do talk about making changes to reverse  Runaway Global Warming, they mention a twenty to forty years as their time frame.   That is way too long!   Why?  Because the 100 billion tons of Methane presently frozen in the Arctic Tundra is being released at an ever-accelerating rate.   The most, we have about five to eight years before the release becomes unstoppable!   

You can bet against this short window of opportunity, but if you do and you're wrong, the consequences will be devastating, deadly and irreversible.   If you're wrong,  by your decision, you'll kill your own grandchildren, you will kill billions of other humans, and you will kill at least half the life forms on the entire planet.   Is this a bet you are willing to make? 

Examine the evidence for yourself:

Reference:   Runaway Global Warming    (Global Climate Change)

Now, Can we get real for a moment?  

Focus on Causes instead of Treating Symptoms:    

In the present financial crisis, 2009, we cannot solve the problems created by deficit spending with more deficit spending.    Instead of treating  symptoms by throwing money at them, we must be totally honest and solve this crisis by going to its core, by going to it's root causes, and making changes where those changes will actually accomplish what we say we want.   

The Condition of the Financial Industry:    

Unless we spend trillions of dollars, it's not possible to buy up enough bad loans from  the banks and the other corporations in the financial  industry to get them solvent again.   

Their Present Structure:    

And even if that were possible and even if we actually did spend trillions of taxpayer dollars, we'd still have a financial system that is obsolete, fundamentally flawed, consistently dysfunctional, grossly unfair, managed in secret,  filled with ethically questionable loan practices, riddled with conflicts of interest, owned by the super-wealthy, run for the super-wealthy, and managed by excessively self-centered and arrogant multi-millionaires who don't give a damn about the people, their plight, their rights, the truth, or the environment.   

Their Recent History:    

The money manipulators  in the financial industry have given out thousands of questionable loans.   They borrowed huge sums for high-risk investments that failed.  They  leveraged as high as sixty to one.   They ripped off billions of dollars and walked away from collapsing companies.   They engaged in numerous shady and illegal activities.   They  manipulated the rules in order to extract billions of dollars from corporate retirement funds.   It's gotten so bad that without major changes, the system is about to self-destruct.   

Profits not Service:    

The banking system is  focused exclusively on money and profits for it's owners.   It charges its customers hard-earned, interest money (money created with blood, sweat and tears)  for the use of non-existent, make-believe money that they (the bankers) simply pluck from the air.   With regard to serving the public, as it's presently being run, the American banking system is all but dead.

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     Lending Illusions          Lending Illusions                   ...

The Banking Industry Is Unique Among Businesses

The banking industry is unique in that it's the only industry that can lend/sell you a non-existent product and charge you rent (interest) on the use of its product.   Rental business owners can't get customers to pay rent for the use on non-existent cars, or for the use of  non-existent tuxedos or non-existent bicycles?   How many people are going to go to a restaurant and pay for a non-existent dinner or pay rent for the use of a non-existent house or a non-existent apartment?   

And at the same time, right now, you and I and everybody else who owes money to a bank or to credit card company is paying his/her hard-earned money (transferring some of his/her goods and services) to the super-wealthy money lenders  for the use of their make-believe (fiat)  money.  

Here's How the Scam Works:   The super-wealthy have set up a banking and financial system that replaces real money (money that cannot be easily manipulated or counterfeited) with fairytale, make-believe money (money that can easily be counterfeited and manipulated).  Their money is not valuable because it has intrinsic value like gold or silver.   It has value by declaration only.   It has value because they have declared it to have value and you and I have accepted their declaration.   This illusion of wealth is called fiat money.   The men who run the banking system have simply declared that they (and they alone) have the right to print counterfeit money (create receipts for goods and services) and pretend that their receipts have real value.   The money in your wallet and in your bank account is "fiat" (make-believe) money.  

Every time they add more fiat money to the financial system, (such as giving billions of these make-believe dollars to the bankers) that new money steals its value from the money already in the monetary system.  That's why you pay higher prices for gasoline, food, rent, medicine, and everything else people buy.    The dollars become less-valuable, therefore it takes more of them to pay for your goods and services.    Here's a simple example:  In 1913, the year that the Federal Reserve took control of the American monetary system, a postage stamp cost one cent (one penny).   Today, the cost is forty-five cents (45¢).   In other words, under the fiat money system, a dollar valued at a dollar in 1913 is, today, worth slightly over two cents.   In 1913, our great, great grandparents could send one hundred letters for dollar while today, you can send only two.  

The bankers could get in trouble stealing your money, so instead of stealing your money directly, they devised a system to transfer your wealth into their pockets by controlling and manipulating the entire monetary system.   By using "creative accounting" and by printing make-believe, paper money, they slowly and systematically steal the value out of the fiat dollars.  

You Are Being Milked for Money:   You and I, small business owners, and the general public borrow the banker's fiat money.   We work diligently to produce goods and services and then we give/pay some of our real goods and services to the lenders (fees and interest charges) as payment for the use of their non-existent, make-believe, fairytale, fiat money.   Then while we struggle to survive, the super-wealthy spend their make-believe money on real goods and service and live extravagant lifestyles using this stolen wealth.   

This technique for milking the public for money has been going on for so many years (since 1913) that it's considered normal and almost nobody questions the validity of the system.   

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The Alternatives

Shift the Management Structure:    

In the financial industry, the infrastructures, themselves, are sound, extremely valuable, essential, and fully functional.   Only the management aspect of the system is  "broken."  The core problems are actually quite easily solvable.   The tools for change are readily available.   It's the willingness to change that's missing. 

What is required is to re-structure the way the financial institutions are managed and to redefine their purpose for being.   In that regard, it's much simpler and far less expensive, and morally sound to have some other entities do the lending to home owners.   Here's how that can be accomplished:

Separate Banking into Two Parts:    

By separating personal and small business lending from corporate, big-business lending, and by handling personal and small business lending by way of a nationwide network of independent, non-profit foundations, the home foreclosure crisis can be ended in less than six months.   This process will also redirect the profits.   Profits that presently go into the vaults of the super-wealthy would, instead, be used to fund city and county governments.

The Non-Profit Foundation Format:    

The suggested, new system has independent non-profit foundations as a major participant in both corporate and government financial management.   This will shift the primary motivation of corporations from short-term profit at the expense of everything and everyone else   to   providing service in a long-term, sustainable system.   It will also dilute the present-day, excessive concentrations of financial power.

Creating the Win-Win Business Structure:

Adding strategically placed non-profit foundations to the present practice of unbridled capitalism, will expand the corporate world's  purpose for being.   That purpose will be expanded from profits only to include the well-being of the corporation's employees, its management, it's customers, and the environment.   It will still be able to produce a financial return for any remaining stockholders.   Each corporation and its affiliate foundation will function as a team producing their goods and/or services within the context of the long-term, highest and best interest of everyone and everything, including trees, plants, animals, the environment, and the Earth, itself. 

Reference:    

http://www.Learn-From-History.com/public-service-banking-system.html#53  

A Nine-Phase Approach to Ending the Home Foreclosure Crisis and Re-designing the Banking and Financial Systems

Reference:    

http://www.New-Corporate-World.info#39  

Installing the Win-Win Business Structure

When corporations shift to The New Corporate World Foundation's Win-Win Business Structure, the consequences will be phenominal beyond words.  

Notes and References

^**ff12   **ff12    Too Much Truth  --   Commonly, when faced with too much truth, people tend to disbelieve it and/or they fight the inevitable changes that the truth demands.   For example, when our nation's Founding Fathers declared  that all men had the right to liberty, they did not include either women or the black slaves.   Had either of them been included in the declaration of Independence, they would never have succeeded in creating the republic that today we call The United States of America.

^**msc1   **msc1    Reversing Runaway Global Warming is going to take a huge effort and will require the cooperation of the entire population.   It will also require the active participation of hundreds of thousands of individuals each working in the context of his or her own life -- each working to fulfill this common goal.   People will not be able to make the effort required if they are seriously financially distressed.   Thus, a return to Economic Sanity is a vital part of reversing  Runaway Global Warming.

http://www.EconomicSanity101.com#83 ²  

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20 Aug 09