Watching Zeigtest Adendum got me interested in Banking again. I used to have a skepticism about banks after watching some youtubes on the Federal reserve. But then I listened to a Skeptoid podcast that put over a very convincining arguement for Banks: If it wasnt for banks people couldnt borrow money to do things they cant afford to do at a given time.
I dont think that argument carries much weight now (eg Zopa ) and even if it did, banks are a scam, as this almost kids story really well explains. The prose isnt great but the clarity is fantastic.