[nomadking]

The assets are only worth anything if others have the spare cash to buy them.

The ones that created the banking crisis were the ones without money, who wanted get-rich-schemes of buying houses that would increase in value, or housing developments that weren't needed. What happened afterwards was a pass-the-parcel of the debt of those people. The money for those "investments" came from the well-off. It is the well-off who didn't get paid back from their investments. It is the well-off and their spare cash that provides the money for mortgages, personal loans, and business loans and that is why the banking system had to be protected. If the well-off don't put their money in banks, no loans of any sort are possible.