Banking is a ponzi scam.
Banking is nothing but a government sactioned, giant multi-level game.
It is a pyramid scam that makes all other scams look like child's play. At the top of the pyramid is the Federal Reserve Board, and their owners. At the bottom are the little local branches of all the different state and national banks. As in all pyramid scams, the small branches at the bottom will fall first, taking most of the heat off those at the top. But eventually the pyramid must topple.