If you have a piece of gold and want to exchange it for one dollar,
you have to pay a bank ten cents before they give you that dollar; then,
the bank charges “Congress,” ten cents for that dollar.
Twenty cents of cash is laundered by the bank.
That piece of gold used to acquire that cash,
now in the bank’s possession, is worth the original value from when you traded it to them;
But to acquire that gold back,
the bank charges you a (cash) fee, whilst the bank plays that same, twenty-cent-circle-jerk game with that fee.
The bank sells you different gold
(Not your exact piece of gold back!!!)
at the price it chooses;
and after they give you the gold back,
You cannot exchange gold
for food or for fire.
I think that’s about right.