The Great De-Banking: Why Your Money Isn’t Yours Anymore

Описание: When Silicon Valley Bank collapsed on March 10, 2023, $173 billion in deposits vanished overnight. But here’s what the media didn’t tell you: 93% of those deposits weren’t protected by FDIC insurance. And in the next banking crisis, your uninsured deposits could be legally seized and converted into worthless bank stock—without your permission, without a vote, and without recourse.
This isn’t conspiracy theory. It’s official policy, written into law and tested in real-world crises. Welcome to the era of bail-ins, where depositors—not taxpayers—pay for bank failures.
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📊 CRITICAL FACTS REVEALED
• March 26, 2020: Federal Reserve reduced bank reserve requirements to 0%. Banks are now legally permitted to hold NONE of your money in reserve.
• Cyprus 2013: Depositors with balances above €100,000 lost 47.5% overnight when banks converted deposits into worthless equity.
• $7 Trillion at Risk: 45% of all U.S. bank deposits are uninsured and exposed to bail-in conversion.
• FDIC Math Failure: The Deposit Insurance Fund holds only $128 billion to insure $10 trillion in deposits—a 1.28% coverage ratio.
• TLAC Requirements: Global systemically important banks must hold 18% loss-absorbing capacity—which includes YOUR uninsured deposits.
• SVB 2023: 90% of Silicon Valley Bank’s deposits exceeded FDIC limits. Only emergency government intervention prevented a bail-in.
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📚 100% FACT-BASED RESEARCH
Every claim in this documentary is sourced from official documents:
• Federal Reserve Board monetary policy announcements
• Financial Stability Board publications and G20 policy frameworks
• Dodd-Frank Wall Street Reform and Consumer Protection Act (Title II)
• FDIC resolution authority guidelines and annual reports
• European Central Bank Cyprus program documentation
• Bank for International Settlements TLAC standards
• U.S. Congressional Research Service banking analysis
• Historical executive orders and banking legislation
• Iceland Central Bank crisis reports
• International Monetary Fund country assessments
No speculation. No conspiracy theories. Just regulatory documents that redefined your relationship with banks while mainstream media looked the other way.
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🎯 WHO NEEDS TO WATCH THIS
• Anyone with bank deposits exceeding $250,000
• Business owners with operating capital in commercial accounts
• Retirees and investors with concentrated bank holdings
• Anyone concerned about financial privacy and government overreach
• Students of financial history and economic policy
• Individuals exploring alternative banking and asset protection strategies
• Anyone who believes their FDIC insurance provides complete protection
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⚖️ LEGAL DISCLAIMER
This documentary presents factual information about banking regulations, legal frameworks, and historical events for educational purposes. It is not financial, legal, or investment advice. Viewers should conduct independent research and consult qualified professionals before making financial decisions. The content reflects publicly available regulatory documents and does not constitute recommendations for specific action. Past banking crises do not predict future events, though regulatory frameworks discussed are currently in force.