Hi Sinbob, the really sad part is that 99% or more of the public will not have a clue what hit them.  Even the simple rumor of an insolvent bank could become self fulfilling and lead ultimately to its bankruptcy. 

The FED's own data illustrates how the non-borrowed reserves of depositor institutions has fallen from an average of approximately $42 billion in November 2007 to -$17 billion as of last week.  Yes that is negative $17 billion.  This has forced the FED to increase their term auctions to $60 billion to make of the difference.  This is the first time this has ever happened and it only three short months.   

My great-grandfather lost all his money during the great depression when the bank he used closed its doors.  He was well off at the time and had the option to buy hard assets like real estate prior to the crash and instead he chose to leave it with the false security of his bank.   

It seems the inmates have gained control of the asylum.