Anybody, and I mean anybody, who has had some level of college education in the US can tell that what is posted above is complete hogwash, nonsense, out and out lies.

While I agree the financial system, which encompasses banks, leaves much to be desired and is in need of serious remedy, the arguments put forth in the article above is nothing but anarchic propaganda.  It is so blatantly wrong that I do not even feel the need to debate it.