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Epic Economist, 2/10/26
"Another Bank Failure Just Happened,
And Something Worse Is Coming"
"Metropolitan Capital Bank and Trust in Chicago was shut down by state regulators due to unsafe and unsound conditions. It was the first U.S. bank failure of the year and many experts believe it won't be the last. In this video, we look at what people across the country are saying about the state of the banking system, why so many Americans are losing trust in their banks, and what warning signs are flashing right now in the financial markets. From regional banks weighed down by commercial real estate losses to subprime auto lenders buckling under rising defaults, cracks are forming in multiple places at once. And it's not just small banks feeling the pressure. People are sharing stories of being questioned or delayed when trying to withdraw their own money from major institutions. That kind of experience changes how people see the system and once that trust is broken, it's very hard to rebuild.
We also look at the deeper structural issues that got us here. Years of near-zero interest rates led banks to load up on long-duration bonds that are now underwater. The Federal Reserve's policies created a cycle where risk was encouraged and consequences were delayed but not eliminated. Now, with inflation still elevated and the yield curve flashing recession signals, the foundation of the lending system is under serious strain. On top of all that, capital is moving. Gold and silver are surging. Stablecoins are growing rapidly as people look for alternatives to traditional bank deposits. The American Bankers Association has even started calling for regulatory protection which tells you something about how the industry itself views the situation. In this video, we hear from former Wall Street professionals, financial commentators, and everyday people who are all asking the same question: is my money actually safe? Some are moving funds to credit unions. Others are shifting into Treasury-backed instruments or hard assets. And some are simply holding more cash outside of the banking system altogether.
But there's another side to this conversation that matters just as much. When fear drives everyone to act at once pulling money out, shifting assets, it creates consequences for people who don't have the resources or the information to move as quickly. This isn't about fear. It's about awareness. Understanding what's happening in the financial system, recognizing the signs, and making thoughtful decisions about how to protect yourself and your family without adding to the problem for everyone else. Let us know in the comments what you think about the current state of the banking system and what steps, if any, you're taking right now. We always read your responses and appreciate the conversation."
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