Most nations have institutionalised a system known as fractional reserve banking, under which banks hold liquid assets equal to only a portion of their current liabilities.
The ties binding nations -- geography, language, ethnicity, ideology and religion, shared interests, values and animosities -- can all come undone and routinely do.
He eschewed demagoguery and rejected collectivized criminalization of nations, races or religion, even when it would have been convenient and politically corrected to do so.