Well, that’s an interesting and creative analogy. However, the money that banks get from depositors, savers and CDs are only a ‘fraction’ of the money that they use, and a tiny fraction at that. The rest they create out of nothing.
President Jackson got rid of our third Central Bank, The Bank of the United States, and now we need to get rid of the fourth, the Federal Reserve System, a banking cartel designed by bankers and brought to life by our own government. Fractional reserve systems always end up with smaller and smaller reserves until they become pure fiat money, which is what we have today. They create money out of nothing at all which creates inflation that we all pay.
There are many good reads out there that explain this; one of them is ‘The Creature From Jeckyl Island - a second look at the federal reserve system’ by G. Edward Griffin.
Still, I enjoyed your drug analogy and while the citizenry has certainly been encouraged to partake freely, the biggest addict of all has been Congress. They should ALL be sent to rehab!
I understand what you're saying, but the drug dealers can ONLY supply drug addicts if the drug lords give them the deposits.
As I see it, the only way to bring our nation out of its debt servitude is to stop feeding the banks.
P.S.: The fractional money can only be created if the initial deposits are first given. Otherwise, they can never be created under current fractional reserve banking rules.