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Who Really Owns Your Money When It’s in the Bank

Most of us assume that the money in our bank account is safe and fully ours. But the reality is more surprising—and riskier—than it seems. When you deposit money, you are not just storing cash; you are lending it to the bank. This video explains how fractional reserve banking works, why your deposits are technically the bank’s to use, and how this system fuels loans, mortgages, and the global economy. We’ll break down the hidden mechanics, reveal the math behind deposit lending, and explore the delicate balance of trust that keeps the system running. By the end, you’ll see why your money is always in motion, why confidence matters more than cash, and what happens when trust breaks down. If you’ve ever wondered who actually controls your savings, this explainer will make it clear—without jargon, without fluff, just the facts you need to understand the system that touches everyone’s life.
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