With the depressed interest rates over the last 20 years, most logical people would want to put the spare cash in some financial instruments that will give them a higher return. Instead of helping them, we see mal-investments that led them to lose their hard-earned savings. Such is the monetary system today... to enslave us if we are not careful.
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The banking system is created specifically to enslave us. We see how the establishment is trying to hold it all together but it's not doing so well for most people but they don't know what else to do.