This simplest YouTube video explains consumer banking in a very simplistic way, but it is very easy to understand. For those of us preparing for the future, and looking to survive after TEOTWAWKI, this is very instructive.
It really does a good job of explaining how government can screw up an economy by taking from the ones that have managed to save and build capital and giving it away to those not working to build their own. Personal sacrifice is the secret of success.
How an Economy Grows and Why It Doesn't (by Irwin Schiff) http://www.youtube.com/watch?v=bFxvy9XyUtg
Start building capital now buy accumulating durable items that you need now and in the future. It will only serve you well when things happen beyond your control, such as natural and/or manmade disasters. Store food, seeds, lubricants, and other items that you need and use for any disaster.