1)   Make-Believe Money:   

There are serious flaws in the way banks and financial institutions currently run their businesses , such as charging money for the use of something that doesn't exist.   

The financial industry is unique among business.   The financial 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?  How many people are going to pay rent for the use of a non-existent house or a non-existent apartment?   

And at the same time, right now, anybody 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 non-existent (fiat)  money.   This technique for milking the public for money has been going on for so many years that it's considered normal and almost nobody questions the validity of the system.  
http://www.MoneyGodMoney.com/money-defined.html#55   

2)   The Federal Reserve:   

Although peddled to the people as a public service organization, the Federal Reserve, is in reality, the most profitable and longest lasting financial scam ever invented.   Trillions of dollars have been transferred from the public treasury into the coffers of twelve private banks supposedly  as interest on loans of money to the federal government.   In reality, the Federal Reserve is lending non existent money and charging interest on it.  (See the above section:  The financial industry is unique among business.    

http://www.MoneyGodMoney.com/federal-reserve.html#55 

3)   Inflation:   

Deficit spending secretly steals the money out of you wallet.    It's a scheme for the confiscating the wealth of the working class.   It does so, not by stealing the dollars, themselves, but by stealing the value out of the dollars.   Asset held in the form of money, stocks, bonds, bank accounts, retirement funds,  and the like, all lose value.   The value doesn't simply disappear.   It's transferred into the pockets of  the super-wealthy. 

http://www.MoneyGodMoney.com/inflation.html#55

4)   Fractional  Reserve Lending:   

At the demand of the financial  industry, (which owns most of the politicians)  laws were passed which allows the bankers to do the same thing that the Federal Reserve does --  lend non existent money and charge customers for its use.   The technique is called,  "Fractional Reserve Lending."  
http://www.MoneyGodMoney.coml/fractional-reserves.html#55 

5)   Why Lending Is Presently So Essential:     

Did you ever wonder why people have to borrow money to do just about everything?    When it comes to purchases that require larger-than-every-day sums of money, such as to  run a business, go to college, or buy house or a car, people don't have enough money saved up to pay cash or simply write a check to pay the full price.   (Their net worth is too low.)   As a result, people end up paying way more than the price of whatever they buy.   There are huge interest fees and service charges that they also pay.   As a result, a significant portion of the borrower's productive capacity goes to the money lenders.    

This is not an accident.  It's not simply the nature of things.   It's intentionally built into the financial system by those who created it and by those who now run it  -- the super-wealthy.  

The entire financial system is designed to milk money from the producers of the wealth (the working class) and feed that money to the manipulators of  the wealth (the super-wealthy).   The financial system has been doing this for centuries.   Since the creation of the Federal Reserve in 1913, the percentage of goods and services siphoned off by the super-wealthy has been steadily increasing.  

Between 2000 and today, the system for milking the public for money became so excessive that it's no longer sustainable.   In the October 2008 financial crisis, instead of fixing the problems, our so-called leaders took additional billions of dollars form the people and gave that money to the super-wealthy bankers.   This did not solve the problem.  

It only provided temporary relief form the symptoms   As a result, the entire financial system is on the verge of collapsing.   They are still peddling the "all is well" message, but beneath the media hype, all the evidence points to another financial disaster that will show up in a matter of months and be much worse than the 2008-2009 financial fiasco.    
http://www.EconomicSanity101.com/speak-to-moneyed-elite.html#83  

7)   The Illusion of a Free Market Economy:   

We do not have a free-market economy.   We have an exploitation economy manages and controlled by the super-wealthy for the super-wealthy.   It's a completely egocentric system run at the expense of everyone else and everything else.   The people and the environment have been the biggest victims of the exploitation.   The environment has been so completely exploited that without major turnaround NOW, billions of humans face disease, death, and starvation, and a host of other almost inevitable disasters.    Reference:  

From 2000 to 2008, "Resident" George Bush was the major pusher of the "what's in it for me"  system.   No matter what activities were engaged in, as long as the activities made a profit, they were allowed and even endorsed.   Between 2000 and 2008, the system of profits at any price became so excessive that the entire economy is now facing imminent collapsing (Mar 2010).     

Reference One:  Check the unemployment rate, the home foreclosure rate, the banking crisis, the auto industry, and while your at it, check your own wallet and your bank account.
Reference Two:  

http://www.EconomicSanity101.com/capitalism-illusion.html#83 

8)   One Way -My Way:   

Those who run the banking system claim the only way to increase the money supply is by the lending of money.  By laws passed under pressure of the banking industry, the Federal Reserve and the banking industry are the only ones allowed to lend this money.  They make huge profits by lending this non-existing money (fiat money) to the unsuspecting public.   This is a massive conflict of interest.   You and I are the ones funding this scam with our tax dollars and with interest payments for the use of non-existent money.  

The financial industry and the religious zealots are the only major groups on the entire  planet claiming:  "One Way - My Way"   is the only way.   As and incredibly simply alternative, the same financial process can be accomplished directly out of the federal treasury at ZERO interest.   

Reference:

http://www.EconomicSanity101.com/small-business-funding.html#83

Also, by using the non-profit foundation format, the usury-level interest rates  of the banking system can be eliminated and state governments can be funded.   Reference:

http://www.EconomicSanity101.com/funding-state-governemtns.html#83

8)   The Present Banking System is a Disaster

The present banking system 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.   

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.   

Reference:    http://www.MoneyGodMoney.coml#55 

Let us show you an easy-to-implement way to

replace the public-service portion of the banking system.

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

The infrastructures, themselves, are sound, extremely valuable, essential, and fully functional.   The problem is in the way these organizations are managed.     Reference:  

http://www.New-Corporate-World.info#39   
and   
http://www.TrueCorporateDemocracy.com#gr