<p>If Mini knew as much about finance as he thinks he does he would know that even the small business making kayaks or tents relies on loans to finance their operations. These come from banks who need to borrow that money from other larger banks–often big NY banks who rely on WS IBanks to get them huge amounts of money to lend down the line. When the whales stop lending the little guy can’t get his loan renewed and ends up in big trouble. It is a large complex system and when the big guys catch cold the little guy dies. Same for the big companies employing thousands of regular folks. They need to borrow too. Even state and local governments borrow in anticipation of later tax dollars coming in. If the cost of that goes up it costs all the taxpayers more $$$.</p>