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Big banks don't have their own money. Every dollar they have they borrowed from the fed which just created it out of thin air. When the banks get that fraudulent dollar from the feds, they then use "fractional reserve" lending to create about 28 more dollars for every one dollar borrowed. Everything is a scam just the same as Bernie Madoff except in the trillions of dollars. It really is unbelievable and the only way to fix it is to have the dollar backed by gold or silver. They can't create gold and silver out of thin air!