You think it's so easy to be a bank? Try lending money some time. Its pretty risky if the borrower doesn't pay you back.
You realize, of course, that under partial reserve banking, the vast majority of the money that banks lend does not even exist until the the very act of making the loan zaps it into existence, right? How hard can it be to stay in business collecting interest on making loans of made up money?
I know how banking works. Don't try to school me about banking.
You should learn though.
http://www.investopedia.com/articles/economics/10/understanding-the-fed-balance-sheet.aspLending money is risky. If the loan defaults you are left w illiquid collateral. Markets rely on liquidity. Solvency relies on liquidity. Try looking at finance from a bankers POV not as a anarchist geek.
There is a problem with finance now because of globalization and interweave of markets. But it has nothing to do w conspiracy or fractional reserve or whatever those Zeitgeist/ Alex Jones nutjobs tell you. Has more to do w regulation, derivatives and shadow banking