by Walter E. Block, Lew Rockwell:

How does one describe our present banking system?

It is like an upside-down pyramid, with the tippy top of it located at the bottom and the widespread base of it placed at the top. If even a slight wind comes along, it will knock down the entire enterprise. The bigger they are, the harder they fall. Heck, you don’t even need a breeze. This enterprise is as unstable as it conceivably can be.