We work so we can pay our rents, mortgages, credit card debts, school loans, car payments...

Bank deposits would have to be converted at the same time, and the same rate, as overdrafts and mortgages to keep the value of Banks' debts in line with their assets.

Anxious people who have mortgages, overdrafts and a hard-earned lifestyle to maintain are likely to be in for months of disturbed nights' sleep and drowsy, lacklustre days.