Banks! And Why They Bug Me!

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Banks were originally created as a gain place to keep our savings from harms way.

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How is Banks! And Why They Bug Me!

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Banks made their money, by using our money, to finance other peoples borrowings. In return for having the use of our money, banks paid us a small interest. This principles worked perfectly for any hundred years.

Some thirty odd years ago, bank regulations were relaxed, and not long after that, the whole process had been thoroughly reversed. Today's banks do not pay us to use our money, we pay them for the privilege of having our money used by them. Obviously, a turn like that didn't happen overnight.

It started with the introduction of what was called paid bank services. In return we were offered great terms of interest. It seemed like a fair trade, at the time. The thing about bank services is no one categorically explained what they were, or why they were good for us, they plainly called them services.

Today we call such 'services', value added fees and charges. They come about when you add value to an operation which has no value to begin with. Then you originate a charge for it. It can be something as easy as the click of a mouse, or as complex as a few steps to and from the copy machine. So, like most things under the operate of accountants, the fees and charges grew at a great pace. It was not long before the interest rate we were paid, barely covered the charges.

Obviously, banks do not want us to call their escort the 21st century version of Piracy. Well, some of them don't seem to mind that. But essentially they are quarterly folk, who would like our sympathy: All they categorically want, is to be rich, suited and free from government and customer scrutiny. Who can blame them for hiding in the back offices? Naked greed is very unattractive.

To explain all their charges, banks had to come up with something tangible. So they created The prestige Card. A stroke of genius, which enabled every someone on the planet to go into categorically serious debt. This product became so beloved that the banks felt it deserved something special, a super high interest rate - and so it was!

Staff of course, was always a great burden to the banks. Again the big brains went to work and came up with the universal Atm machine. Free to customers they said. And it was, for a microscopic while, till most of us had learned to accept this new technology. It was not long before the number of bank tellers shrunk and the queues inside the banks got longer. Bank teller transactions soon became branch to charges. So, like well trained seals, we ultimately got ourselves a transaction card, so we could queue at a free Atm outside, just in time to start to get charged for it.

Did the banks anger us? Absolutely, but mostly we got over it it. We did not want our new found conveniences to be disturbed, or delayed. Not then, when we had just gotten used to them. But how do we feel about the banks now?

They have pushed us into a recession. They cry poor while they choke on a big feed of tax payer dollars. They will cost the nations hundreds of thousands of jobs. They have brutally evicted citizen from their homes to recover property, against money they well knew, should never have been loaned out in the first place.

Governments say they have no choice. They have to keep these parasites on a drip feed, because it seems, we have come to be so addicted to banks we cannot live without them. They say our community would crumble overnight if we lost a few Banks.

Does that make sense? Not to me. Banks do nothing during a retreat except to tighten their rules, apply fees and charges to customers accounts and repossess properties as soon as owners default. None of that is going to help the economy. Is it?

Maybe, instead of bailing out the banks, the government could bail out their customers. They could salvage, or replace all the cash and assets, belonging to customers, and lost by the banks. It would put money back in the pockets of citizen who will categorically keep it in circulation. Something those toxic bankers have no desire to do till the cheaper is back on its feet.

People are perfectly capable of transferring themselves to a solvent bank. They just don't want to lose their hard earned money in the process. citizen will tolerate a lot, but no matter what the intentions, they will rarely tolerate wasteful incompetence and untruthful explanations.

Ask yourself this question: What lessons will the directors, who sit on the boards of those toxic banks, learn from their experience? A renewed respect for government regulation - or - a collective conscious? I don't think so! Let's not forget, these are the citizen who have been both the cause and succeed of the current economic crises. Yet, they brazenly continue to pay themselves for their "work".

It would not be the first time large banks have gone under. Britain did not go into retreat when one of their Largest and best know banks lost billions and toppled. Similar failures have happened in other countries without causing a financial upheaval. And, let us not forget, despite all the bailout money, to prop up the banks, we're now in a worldwide recession. Does that not tell us anything?

Lets get real. Where there are citizen with money to save, there will be solvent banks ready to grab it. We can only hope they will show more prudence than the last lot. A microscopic humanity would not hurt either.

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