Power Law and Financial Fraudsters

Supposedly the debt money scheme came about when bankers realized people rarely asked for their deposits, so the bankers could loan out the vast majority of deposits, or in some cases, even more than the total deposits when the precious metals were just represented as digits. Their business model is fraud.

That's another example of a power law at work, i.e. only about 10% of deposit accounts might be closed over a given time period. The average person assumes a "flat" distribution, that is 100% of deposits must be available all the time.

The bankers know the situation with deposit accounts, but the average person has no clue. The average person's model of banking is it's like a more "secure" example of a cash jar you might keep in a cupboard and banks are just a money custodian service. This is another example of the genetic disparity in the definition of "common sense".

The average person's assumption of a flat distribution in deposit availability is based on a belief in fairness, and antagonism for cheaters such as the bankers who are financial fraudsters.

The banker and financial parasite class, which extends into entities like insurance companies and many corporations, assume the pretense of being "managers" or stewards of collective wealth even though all their systems fail repeatedly throughout history.