I submit that all banks are insolvent. There is no solvent bank since 1971. Consider fractional bank requirements. Then consider that the currency they pretend to hold are merely derivatives where the underlying assets don't exist. So, what assets do banks actually hold? None. Nada.

Now ask yourself, what does a bank actually bank? Tokens or derivatives that represent nothing. Essentially, banks are like a potemkin village. You deposit tokens. Direct deposit dosen't deposit anything. All you do is add numbers to a ledger.

To make matters worse, 3 letter agencies often seize assets from banks. They are dangerous places to store anything of value. The only thing a bank is useful for is paying bills.

I'll admit my ignorance - I know about fractional banking and Federal Reserve globalist ownership (private), but what about Credit Unions? Are they as bad / affected by the same things as large, shit corporation banks? I use one for direct deposit and the like, but I don't really invest in much outside of a generic RothIRA that pay gets matched into.