Musings

I think I’m overdue for a detox.

Do I even need to clarify what of?

I don’t even drink it for the taste anymore. Well, ok, thats a lie, its still heaven in cup.
Yet….I find the satisfaction gained from taste has become increasingly inversely proportional to the slightly sickly feeling that hits about half an hour after consumption and the level of blinding headache that comes in the afternoon if one does not acquire their morning fix.

Currently cramming for economics test.

Finding it slightly hard to get excited about gross domestic product and consumer price index.

Hence the need for COFFEE!!

I’m extraordinarily awake for 1:15 am in the morning.

My only question is why did I not discover the merits of this when I was at school???!?
Granted I’m probably going to feel like shit in the morning and have a blinding headache my mid-afternoon, but that’s a worry for later.

It may sound unbelievable, but the banking system is fascinating! (No I’m not delusional…entirely)

We spend money that doesn’t exist.
We put our money into banks, they keep a small percentage of it as ‘reserves’ and loan the rest out to other people to make investments or buy houses or whatever they need to finance their own lives. So the banks double credit our money, both to us and someone else…we can both spend it! Then the money loaned out gets re-deposited, and a small proportion kept, and more loaned out and all this money is created from one initial deposit that doesn’t really exist! That’s why they pay us interest, to compensate for the risk of us ‘lending’ them our money. It’s crazy, if the whole thing collapses then we are royally royally screwed.

Well. Those of us rich enough to have money in the bank.

Maybe it’s just me. Maybe I’m just naïve in my ignorance.
But it’s interesting that I always thought…hey money the bank…I get interest on it whoopee!! And that’s about it.
I never thought….why am I getting interest on my money? What does that signify.
I never even really connected my money with the money that banks loan out to people because I never even thought about it. That just what you do. Put your money into the bank to save it. And that’s just what banks do. Lend money.
Even with all the talk of high-risk and low-risk accounts, high-interest and low-interest, no one ever really bothered to explain to me how the whole system works.

Why the hell am I dwelling on not understanding the banking system? I mean who really cares right?
That’s exactly my point. On the grand scale of things, it got me thinking.
It’s funny how we don’t question things that are ‘normal’ within the society that we know. Accepted practices just because we grew up understanding that this is what you do, and these things are just part of life.

We’re like sheep, following blindly.

Maybe we bleat a little bit when the grass doesn’t taste quite as nice but in the grand scheme of things where do we really stand?

There’s so much out there that we don’t know, or that we don’t know we don’t know. And that we’ll never know we don’t know.