Reply #13: Very simply from what I understand

[no_hypocrisy]

The money for and from the investment banks are blended with the money for and from the banks you need in your life. You deposited money that left the bank that day. That money was given to your new neighbor who just got a mortgage to buy the house next to you. The mortgage paper had a value like an IOU and that paper was added to pile of other mortgage papers, sliced up, and sold to investors. And the investment banks sold the slices and got hefty commissions and bonuses. Your local bank depends on the investment banks selling its mortgages.