I would be less apathetic if I thought changing banks would make a difference. I just think that most people don't really understand the fundamentals of the financial system in general.
Essentially, it goes something like this.
1. The government asks the Federal Reserve for money.
2. It gives them a piece of paper (bond) that says they'll pay it back 'someday'.
3. The Fed prints money and hands it over.
4. The government is supposed to pay back the principal + interest.
5. Problem: The interest is never printed, and thus can never be paid.
6. Banks are allowed to 'lend' money with only a 10% reserve, which means for every 1$ you give the bank, they can lend 10$ to someone else. Of course they don't actually HAVE this money, they're just creating it out of nothing and signing a piece of paper that says you have access to it, in hopes that the borrower actually WILL pay it back once you go to work and earn it (plus interest of course).
7. Lots of people aren't able to pay it back.
8. The banks are giving millions to their employees in salaries and bonuses, even though the money only exists on paper.
9. As soon as people catch wind, and try to withdraw their actual PHYSICAL money (which doesn't exist anymore, since it was given away) the entire system collapses.
The system is created so that inflation occurs indefinitely, 'compensating' for the fact that we have more interest to pay and no physical cash with which to do that. The only reason this system was set up in the first place was so that the people in power could toy with us, to enslave us, to put us in a state of perpetual debt. The sooner everyone realizes this, and accepts that there is no inherent worth in a piece of paper with a number on it, the sooner we can take back our freedom and diminish the wealth of the cowards who created the system in the first place.
