Then we'd own those banks of marble,
With a guard at every door;
And we'd share those vaults of silver,
That we have sweated for

"Banks are made of Marble" by Pete Seeger

Over the last few years, the Federal Reserve has practically given money away to any entity that calls itself a bank. Individual states are also trying, but so far the banks have just been hoarding this growing pile of cash instead of loaning it out. Why?

Two reasons come to mind: Banks are afraid of taking on lending risk. Burnt by the subprime mortgage debacle, they are now

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