Rob MooreRob Moore · Empowering you to Make, Manage & Multiply More Money | Entrepreneur/Investor for 20 years | 20 Money/Business books | Host of the ‘Moore Money’ show

Investor Exposes Filthy Banking Scheme

Name: Investor Exposes Filthy Banking Scheme
Uploaded: 2025-02-12T18:08:38+00:00
Duration: 29 s
Channel: Rob Moore
Description: In this monologue, the speaker frames commercial banks as profit‑driven corporations that earn on depositors’ money. He contrasts personal investment in…

12 Feb 2025 · 0 min

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In this monologue, the speaker frames commercial banks as profit‑driven corporations that earn on depositors’ money. He contrasts personal investment in assets like gold or real estate, which generate returns for the owner, with keeping cash in a bank, where the institution profits by lending and investing the deposits. He explains fractional‑reserve banking: a £100 deposit only requires a £10 reserve, allowing a 10‑fold leverage where £90 can be loaned out. The speaker then challenges the reassurance of deposit insurance (capped at £85,000), questioning whether depositors truly trust that safety net.

The banks are a for-profit corporation. Their job is to make money out of your money. If I have my money in gold or real estate, I'm earning on my money. If I have my money in the banks, they're earning on my money. They lend and invest it out. They're legally allowed to. If I put £100 in the bank, they only have to keep £10 of it in, and they can leverage a factor of 10, and they can lend and invest £90 of it out. People say, oh, my money is insured up to £85,000. Do you really want to test that?