yeah, you may be quite simple or just plain off-base...but, i'm not. fact of the matter is: the same system that allows banks to loan/leverage at least 9x the amount of money they have in the Fed Bank to create new loans...is the same mechanism used by naked short sellers to way over short a stock to benefit largley only themselves. actually there is no limit to the amount of leverage/shorting that can be created allowed. this ratio is determined by the Fed Bank...and they control not only the US's currency/interest rates and credit creation...but, they also run Wall St., the open market and the DTCC. yes, this is quite simple and straight forward (not at all!!!). how come so few know this and why are such things not taught in schools nor broadcast to the people for their edification? answer: to keep the corrupt status quo/State in power and/or to enhance such.