Zdravím nyxí ekonomy. Čtu knížku, ze který je následující pasáž.
The main reason our economy is so loaded with debt is because it runs on a
money system that
is itself debt. When you walk into a bank to take out a
loan, you might assume that the bank is lending you money it has in its
reserve, collected from other people’s deposits and stored in a basement
vault somewhere. But that’s not how it works. Banks are only required to
hold reserves worth about 10% of the money they lend out, or even less.
This is known as ‘fractional reserve banking’. In other words, banks lend
out about ten times more money than they actually have. So where does that
extra money come from, if it doesn’t actually exist? Banks create it out of
thin air when they credit your account. They literally
loan it into existence.
More than 90% of the money that’s presently circulating in our economy is
created in this manner. In other words, almost every single dollar that
passes through our hands represents somebody’s debt. And this debt has to
be paid back
with interest – with more work, more extraction and more
production. This is extraordinary, when you think about it. It means that
banks effectively sell a product (money) that they produce out of nothing,
for free, and then require people to go out into the real world and extract
and produce real value to pay for it. It is so outlandish as to offend common
sense. People have a difficult time believing it could possibly be true. As
Henry Ford put it in the 1930s: ‘It is perhaps well enough that the people of
the nation do not know or understand our banking and monetary system, for
if they did I believe there would be a revolution before tomorrow morning.’
Now, here’s the problem. Banks create the principal for all the loans they
give, but they don’t create the money needed to pay the interest. There is
always a deficit, always a scarcity. This scarcity creates intense
competition, forcing everyone to scramble to find ways to get the money to
pay back their debts, including by taking out yet more debt.
Přijde mi to jako blbost. Přece fakt, že banka částku, kterou mi půjčí, nemá jako likviditu v trezoru, neznamená, že ty peníze vzniknou z ničeho. Vždycky je za nima vklad jinejch lidí nebo další půjčka, zkrátka nějaká skutečná práce a skutečná hodnota. Nebo to tak není? Čtení
Wikipedie mně to moc neosvětlilo.