“Banks Can Lend With 0%” - Banking System EXPOSED For Creating Fake Money & Asset Bubbles
Valuetainment
Valuetainment Episodes
4.8 • 1.7K Ratings
🗓️ 2 April 2026
⏱️ 7 minutes
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Summary
Panel breaks down how banks really create money and why it fuels bubbles, inflation, or real growth. From 0% reserve rules to small business lending, this debate exposes what actually drives the economy—and what could trigger the next crisis
Transcript
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| 0:00.0 | So let me just explain. There's three types of lending. When banks give a loan for asset purchases, |
| 0:08.6 | which is, well, if you're buying an apartment, land, real estate, property, but also financial assets, |
| 0:14.7 | all the lending to hedge funds, you know, they're leveraged, private equity is leveraged, |
| 0:20.0 | you know, all these loans. |
| 0:21.6 | You've got money creation, but you're not adding to value to the economy. Therefore, there's no impact on GDP because you're just transferring ownership and assets. |
| 0:30.6 | But at the same time, because you're creating new money, it has an impact. What's the impact? |
| 0:34.6 | If you suddenly create a lot of money and pump it into the real estate market, you don't need to study economics to know what's |
| 0:40.0 | going to happen with real estate prices. And of course the banks usually behave like each |
| 0:44.9 | other because of the various regulatory influences. So then when they start doing that, you |
| 0:49.0 | get a real estate boom. Property prices go up. If they start lending more for hedge funds, |
| 0:53.9 | you get an asset market |
| 0:54.8 | boom, financial market boom, and in that. So this is unproductive and unsustainable |
| 1:00.4 | credit creation, which creates the asset bubbles that lead to the banking crisis, and |
| 1:04.1 | we've had so many, you know, more than 100 in the past 50 years alone. That's just one |
| 1:09.1 | of three scenarios. When banks create credit for consumption, |
| 1:13.8 | that means you've got more purchasing power, more demand for consumer goods, but you don't have |
| 1:17.8 | more consumer goods. You get inflation, consumer price inflation. That's what they did in 2020. |
| 1:22.6 | And I want to actually make the link now to what's going to happen next, because I think we're |
| 1:27.1 | going to see another bout of inflation. Just a moment. Hold that thought. I'm going to happen next because I think we're going to see another |
| 1:28.0 | bout of inflation just one moment hold that thought I'm going to let you wrap it up I just said Rob |
| 1:32.6 | asked the question I asked the question I sent them the question in order for bank to lend a million |
| 1:37.2 | dollars how much money do they need to have in reserve I know there's a minimum for insurance |
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