I've been a bank protest blogger for the past three years and just the other day I had a new moment of clarity, a defining moment on how banks are controlling society and in the process stealing wealth they did not earn.

I wrote about it on my Swarm The Banks Blog. I feel it is the most important article I have ever written because it spotlights the underbelly of how banks rule the world. You can find the article here.

The condensed version of that article is this simple, Whenever banks restructure a debt, it is considered a default.

Banks have no motivation, and may actually be constrained by laws they themselves have created, to change any debt unless they can financially punish the person or entity requesting the change in terms.

I believe there is plenty of wiggle room in which someone in debt, if they agree to pay off their debt, can have VAST AMOUNTS of the interest rate waived if their financial situation is dire.  Right now, the government and the banks require that anybody requesting a change in terms to an existing loan of any kind be DEFAULTED before a change can be made. Don't believe me? Ask ANYONE who applied for the Home Affordable Mortgage Program, aka, HAMP.

Obviously being defaulted is like being scarlett lettered for future financial abuse and even when it comes to looking for a job!  I believe if the public can agree that this is how the oppressors are truly oppressing, there can be ways to solve the problem through the present political system.

If there is a unity of message, there can be a clarity in presentation.

Allowing for a change in terms to an existing loan without it being called a default could be one of the most proactive things that could happen.