Guest Post: Want To Defeat The Banks? Stop Participating In The System!

Tyler Durden's picture

Submitted by Brandon Smith from Alt Market

Want To Defeat The Banks? Stop Participating In The System!


In Franz Kafka’s most popular work “The Trial”, his characters relate a short parable which has fascinated and confused curious readers for generations. That parable is entitled “Before The Law”, and its message has been interpreted, reinterpreted, and agonized over by the labyrinthine contrariness of academia, producing numerous conflicting views:

Existentialists, of course, automatically jump to the conclusion that “Before The Law” is a message of the absurd nature of man’s search for reason and structure in a universe of random coincidence. That “the law”, as it were, is a superficial concept that humanity uses to make life more bearable. That we seek to create artificial social constructs in order to keep ourselves afloat in a sea of chaos. This is partly true. The law is, indeed, an abstraction conjured by men. However, the source of the most fundamental laws, being inherent conscience, is far from abstract. In fact, it is one of the few aspects of our existence that is undeniably tangible and universal. It is proof that all is NOT random, and that there is a meaning and a purpose to what we do here and now.

I see “The Trial” and “Before The Law” not as treatise on the futility of man’s search for justice, but as a warning on the foolishness of man’s dependency on systems not rooted in conscience. That is to say, we have a tendency to linger about idly while others make our decisions for us. We expect the system we live in to provide answers, to provide nurturance, to provide fairness, and to provide change where necessary. This expectation is a dangerous one.

Most social and political systems today are designed around collectivist methodologies. Their primary tool is centralization of power, and the removal of choice from the public consciousness. We are made to believe that the establishment is necessary for our survival, and that to abandon it would mean certain destruction. We are taught that the individual is subservient and inconsequential in the face of the state. This is simply not so. Like the traveler in “Before The Law”, we have been defeated by our own expectations of how the law (or justice) works. We sit and wait for permission, when we should be charging through the gates and taking what is rightfully ours.

Even amidst recent and increasingly prevalent protest actions on the part of Occupy Wall Street groups, there are still some within these movements who believe the answer to fighting back against the corruption of banking cartels and puppet politicians is to hand even MORE power over to the state, and to collectivize our culture still further. The ignorance of this mentality is no less than astonishing.

The only practical strategy for combating the tyranny of centralized systems has been and always will be decentralization. Individuals must stop relying on the rules of a rigged game to see them through to the truth. This means that while mass protests are certainly a powerful tactic for voicing concerns on an international stage, they accomplish little to nothing in the way of meaningful change in the long run unless they are backed by individual actions to break away from dependency upon a poisoned political and economic framework.

The common assumption amongst Americans is that nothing can be done without mass action resulting in “compromise” from leadership. That the healing of our cultural dynamic is a “top down” process. That one person alone has little at his disposal for bettering the world. In fact, it is always self aware and self sustaining individuals who build better societies, not angry mobs without understanding or direction. Individuals blaze the path that the rest of the world eventually follows, and they do this through one very simple and effective act; walking away.

By walking away from the corrupt system, and building our own, we make the establishment obsolete. This philosophy could be summed up as follows:

Provide for yourself and others those necessities which the corrupt system cannot or will not, and the masses (even if they are unaware) will naturally gravitate towards this new and better way. Offer freedom where there was once restriction, and you put the controlling establishment on guard. Eventually, they will either have to conform to you, attack you, or fade away completely. In each case, you win. Even in the event of attack, the system is forced to expose its tyranny and its true colors openly, making your cause stronger.

The obvious question now is; how can each one of us use this strategy in our daily lives? Here are just a few easy applications:

1) Focus On The Federal Reserve

If you as an activist or the movement you support are not fully aware of the private Federal Reserve Bank and its primary role in the destruction of our economy, our currency, and our political dynamic, then your protests are a waste of time, and your movement will end in failure. Uneducated mass actions are easily manipulated, and can even end up serving the purposes of those oligarchs they seek to dethrone. G. Edward Griffin’s full analysis on the history of the Federal Reserve “The Creature From Jekyll Island” and similar materials should be handed to every OWS protester before it is too late.

2) Take Back Your Savings

Do you have a bank account with one of the so called “too big to fails”? Is the culmination of your savings currently in the hands of financial monstrosities like Bank of America, JP Morgan Chase, Citigroup, etc? Well, take your money back! This has been done by a few protestors and the response from banks has been outlandishly oppressive, including new guidelines attempting to obstruct customer access to savings, and even calling the police! This tells me that they are afraid. Afraid of Americans catching wind of the idea that the money they place in the accounts of bad banks is still theirs to do with as they will. If you don’t like how these institutions operate, don’t let them have your money. It’s as simple as that. Not only is this an act of defiance that truly hurts the banking system, it also protects your hard earned wealth (at least initially) from the inevitable collapse of these fiscally insolvent blood leaching leviathans (watch Bank of America closely, folks!).

3) Use Alternative Currencies

After you take your savings away from the banks, you still aren’t quite free of their influence. You are now holding fiat dollars, which the Federal Reserve, the foundation of all banking fraud, is currently devaluing. The idea of walking away from the dollar sounds ridiculous or even frightening to those trapped in the centralization mindset, but it is a highly effective method for combating the system itself. The dollar is a sham, and has been since its future was handed over to the Fed in 1913. Alternatives exist, and they must be utilized. Communities across the country use various scripts as a means to diminish reliance on the dollar, but ultimately, the best currencies are those that cannot be created out of thin air unhindered. This means gold and silver.

Central banking proponents have been railing against even the concept of a return to gold and silver currencies for years, and the Department Of Justice has labeled the use of such alternatives in place of dollars as a form of “domestic terrorism”. This should tell you, quite clearly, that they are deathly afraid of activists organizing to drop the dollar to pursue metals. If the system is willing to use the law as a weapon to keep us from having sound money, then we should be rubbing their nose in it daily by trading without dollars. They should be forced to react, and in the process, forced to expose their true intentions for our economic futures.

4) Build Barter Networks

If a bunch of people can band together to huddle in parks with signs for weeks in cities across the nation, then they can band together to trade goods and services outside the establishment system as well. Barter networks grow spontaneously out of economic collapse regardless of what any group decides to do, but generally, they appear AFTER the worst has happened. Wouldn’t it be wiser to organize such markets now, before a full collapse takes place? By preempting disaster with a backup or failsafe free market barter economy in each town and city, we insulate ourselves from the effects of the crisis, and, we cut loose from our dependency on the controlled mainstream economy. Localized trade makes it possible to walk away from corporate chains and maintain the circulation of wealth within a community, while countering the increasingly higher taxes caused by austerity and inflation that we are likely to see in this country very soon. It really is a no-brainer.

5) Grow A Garden

I don’t know how to say this nicely; don’t be a jackass, learn to grow your own food. Don’t expect that our economy will continue to sustain you. Actually, you should have every expectation that it won’t! If every Wall Street or Fed protester had their own garden patch and some stored goods, we would all be much safer. Food dependence is the worst kind. It has been used by governments and despots for centuries to cull the masses and dissuade dissent.

Sharecropping should be common in every community. Neighborhood gardens should be standard. Every household should have a year’s worth of food. Period.

Imagine that you lose your job and every cent you have tomorrow. Imagine that mom and dad are broke and have no money to lend you. Imagine that food stamps are a thing of the past because the national debt has become so exponential that entitlement programs have been erased. Now, how do you live from day to day? Where do you get the nutrition required for you to continue holding up that sign or shouting that slogan? Think about it...

6)  Start A Micro-Industry

If the U.S. economy is ever going to get on its feet again, it will be because average Americans bring it back through local industry.  This means ending our community addictions to corporately produced goods and returning to specialized trade skills.  It means coalitions of local farmers, craftsmen, and micro-industries providing goods and services with a city or county based market focus.  Large manufacturers and business chains relying on the model of globalization will have absolutely no ability to rebuild mainstreet commerce, even if they wanted to, because their methods depend upon constant outsourcing and downsizing for survival.  Private tradesmen will be the only people capable of filling the dark void these corporations leave behind.

7) Start An Activist Group

The establishment HATES when you do this. The spontaneous organizing of groups outside government or corporate purview has generated notoriously absurd responses from authorities, including accusations of “extremism”, infiltration, and wrongful arrest. If this sounds frightening, then I suggest you get over it quickly, because this is going to be the norm for many years to come. The evils of the world are not undone by apathetic naysayers anymore than they are undone by mindless mobs. Without the coordinated actions of aware individuals with a common focus, nothing is going to change.

This group could be something a simple as a local barter network or a political discussion forum, or, a complex national organization geared towards tangible political action. It doesn’t matter as long as it’s based on the promotion of Constitutional freedoms, and its leadership is decentralized. Just make it happen…

At bottom, if we want to fight back against a system we cannot take back through traditional means, then we must learn to walk away. If the system feeds us, clothes us, and shelters us at will, then ordinary protest is pointless. Our tender parts are in a rusty vice on the autocratic workbench and until we pull them out, no amount of screaming and pounding will improve our situation. Independence is won through the constant striving for self responsibility. Freedom is won through a position of personal strength, not weakness and self-enslavement.

Numbers alone do not make a movement, and the elites we currently work to supplant are not going to flinch at a few random protests. In all likelihood they will welcome these actions as a useful distraction. Tyrants don’t fear the torches and pitchforks anymore. What they do fear is balanced insight, self reliance, and exceptional force of will. A handful of men with these attributes are far more dangerous to a corrupt system than thousands of citizens driven only by insatiable anger. To overcome oppression, we must first overcome ourselves. The ability to step outside the paradigm, the ability to act without permission, and charge the gates without apprehension, is the key to toppling totalitarian systems and exposing the great lie of our age; that we cannot exist without the cage we were born into.

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Christoph830's picture

Preach on brother, preach on!

pupton's picture

This seems to be the essance of the fight club philosophy:

"If the system feeds us, clothes us, and shelters us at will, then ordinary protest is pointless. Our tender parts are in a rusty vice on the autocratic workbench and until we pull them out, no amount of screaming and pounding will improve our situation."

We can't be free until we free ourselves from the shit and the system that enslaves us.  That choice is ours.

I think OWS could benefit from his message...This guy has laid out some great points in his message.  I'll be following him a little more closely.

One other thought.  Instead of a BS "General Strike" on a particular day that will result in nothing.  How about we organize a day of Bank Run?  Give it whatever nifty slogan you want, but the purpose would be to organize millions of Americans (and why stop at just America?) to withdraw as much physical cash (not electronic digits) from their bank accounts as possible.  It would have to be kicked off on one day but be planned to continue for days because banks will ration their cash.  I believe that A COORDINATED AND WELL ORCHESTRATED BANK RUN could have a bigger impact than these silly "protests", and it would serve as a wake up call for those millions of Americans who think their money is safe in the fiat fractional reserve ponzi.

Socratic Dog's picture

Reckon you'd get a nice little vacation in Guantanamo Bay for that one amigo.  Really.

pupton's picture

Is this a violation of some law to excersice my right to speak about the subject?  I don't think it's the same as yelling "fire" in a crowded theater, and I am not encouraging civil disobedience, violence, or even anything illegal or immoral.  I'm only suggesting that people go get their money out of the bank, at the same time.  The banks would even know it was going to happen, just like OWS was no secret before it happened.  How would that land me in Gitmo? (which Odumbo promised to close by the way)

Blano's picture

I think this was tried earlier in the year (and talked about on here) and resulted in absolutely nothing.  Not even a hiccup.

goldfreak's picture

the soccer player in France tried it and nothing happened

buyingsterling's picture

Never mind then. Forget the idea forever.

Socratic Dog's picture

That almost sounds like you think you live in a free country.  Nah, that would be too ridiculous....

whstlblwr's picture

8) Start investigation into government rigging, price fixing in market. Take back free market.

Elmer Fudd's picture

Oh yeah, hire new regulatory wonks at 200k, then one of 2 things happen: 1) slap the wrists of the offenders for a paltry rounding error amount or 2) nothing and keep growing the govt with those neato jobs because darn it, govt knows best.

whstlblwr's picture

Class action lawsuit. Many here who rightly short market would have claim.

"Veterans Win $7.4 Million Settlement in Federal Debt Collection Class Action
Washington, DC: A $7.4 million settlement has been reached in a class action lawsuit brought against the United States government by military veterans.

The suit alleged that the government's methods of recovering debt owed by veterans for purchases made on military bases was not acceptable because the debts incurred had reached the 10 year statute of limitations.

In 2007, Julius Briggs, a disabled army veteran, filed the lawsuit after the US government kept about $2,300 in tax refunds to pay down a $1,857 debt he incurred buying uniforms and other items on base in 1993.

According to media reports, some 6,700 former military will receive $10,000 each from the settlement, which was approved in court Thursday, January 28th.

The Wall Street Journal has reported that the class action is the first to challenge a federal agency's debt collection tactics.

Tic tock's picture

It's like when an Idea is felt by enough people with sufficient Will - for the Force is my ally and powerful ally it is

Norsky's picture

I've been buying gold and silver on a regular basis for 3 years using FRN's that normally would have gone into a saving account. My own little way of sticking it to the banksters.

Every FRN I convert to precious metals is one less FRN they can leverage and charge obscene interest to someone else on.

Nice thing is that 'little savings' has grown substantially!

Dr. No's picture

I was at WFC last night.  The teller noticed my free checking was converted to an account that charges $5 service fee/month.  The conversion was made automatically, without my permission, effective september.  I acknoledged that I was now paying $5 per month where previoulsly I paid nothin (excpet I frequently used the debit card as a visa so they pocked the swipe and % of transaction).  The teller indicated I could reduce the fee if I opened a savings account and linked the two with an automatic transfer each month. 

Let me get this straight,  I can reduced the monthly fee on my single checking account by opening a second account and setting up tranfers between the two????  It is obvious the $5 fee is not to cover administration costs...


Short WFC.

Edelweiss's picture

I was notified this week by my small (a few branches locally) bank that they are going to start charging a "low balance" fee of $10 on checking accounts if the amount falls below $1,000.00 at any time during the month.  Unfortunately, it's not only the TBTF's that are trying to gouge customers with new bullshit fees.

Widowmaker's picture

Your money is 100% bullshit to begin with, every last cent from the last four decades. It's tangiblity is all fraud inclusive.

Diet Coke and Floozies's picture

CIBC in Ontario does this. No service charges (about $3.90 CAD) for a balance over $1,000 in my chequing account. I believe, but am not 100% sure, no other bank here even offers that (service charges no matter what).

Raging Debate's picture

Don't forget the Kiting - Banks telling customers deposits haven't cleared so your checks bounce at $30-$40 a pop. I had a couple of hillarious dialogues with branch managers in the last couple of years and YES this included local bank recently. Meanwhile, this credit union was building a brand new bigger slipperly-granite building out back.

malek's picture

Well, the "any time during the month" is the kind of 'gotcha' fee (one day at $900, all other days at $1500 => pay low balance fee!) I despise.

But if they would say "if average balance falls below $1000 we charge you $10 monthly account-keeping fee" then I have no problem with that.

FEDbuster's picture

I closed my accounts there last year and moved them to a local bank (which still has free checking).  There must be something different about savings deposits vs. checking deposits, because they want you to move your money to savings.  They are even offering 3% interest for the first year in these savings accounts.  My son still has an account with them, and he has set up this linked account.  They also encourage you to direct deposit all your income into these accounts. 

With the governments moving to prohibit "cash" transactions and the banks pushing for electronic deposits and payments, it looks like the push is on to get rid of cash.  I have also seen a push to eliminate the dollar bill (due to high cost of printing vs. it's value), get rid of the penny and replace dollar bills with coins (no option, just phase out the dollar bill).  Won't be long till every transaction can be tracked (and taxed) using an electronic trail.  A local barter system would be a threat to this.

I think the author of this article is spot on, and all his suggestions are good ones.  "Starve the beast" is the best strategy to kill it.

GeezerGeek's picture

There is nothing new in this list of suggestions except, perhaps, the idea of distributing copies of Griffin's book on the Federal Reserve. As soon as I learn that the book is a) in the public domain, and b) available electronically I will start distributing copies. I'm not aware of that being the case; if anyone can enlighten me regarding this, please do. Until then, I can't afford giving copies of something for which I must pay.

The only reason I have a checking account is to be able to pay certain bills each month. Nobody accepts cash in the mail. I have a savings account a) to get free checking, and b) accumulating too much cash makes me uncomfortable. That said, I have used cash for certain purchases (guns/rifles, electronics, bullion) and where possible not provided a name. Cash is still fine (under $10K) as long as you don't get stopped at some police or TSA checkpoint. In addition, it's fun to observe the looks on a teller's face when I say I want to withdraw 20 $100 bills.

I still believe that the best way to defeat the current corrupt system is to get people (citizens/voters) invested in the concepts of liberty and limited government and vote the bums out.

StychoKiller's picture

Loan yer copy of "The Creature..." to someone until they read the first 30 pages, if they don't understand by then, there's no hope for that person.  If' they're a slow reader, read it out to them!

Rhodin's picture

I have also seen a push to eliminate the dollar bill (due to high cost of printing vs. it's value), get rid of the penny and replace dollar bills with coins (no option, just phase out the dollar bill).

Strangely enough, you can order dollar coins from the mint with a credit card and free shipping!  Some cards even give you points!

FEDbuster's picture

They have tried to eliminate the penny, and replace the dollar bill with the dollar coin several times.  There are arguments to be made for doing both. 

I still think the big push will be for eliminating cash all together (mostly for government tracking purposes).  At that point there will be an explosion in barter systems using some form of script, or straight barter for transactions.

Snidley Whipsnae's picture

My credit union, which I have had an account with since 1993, recently notified me that my 'free checking account' would cost me $5 per month fee unless I maintained a balance of $800 or more.

I have not decided what I will do since without the checking account I would probably spend more than $5 per month purchasing money orders to pay my utility, insurance, etc, monthly bills...but the checking account balance is usually around $300 at the end of each month.

I used to keep more money in the credit union checking and savings accounts but since 2007 I converted most to physical PMs and ... disbursed widely.

The only reason that I still maintain the credit union account is that I have a credit card thru them and occasionally use it to fly or rent a car, hotel room, etc.

The damn bankers/gov make it difficult to travel without a credit card.

Land of the free... lol


Widowmaker's picture

Land of the fraud. Fixed it for you.

Abitdodgie's picture

Anybody that still has a bank account must be a bit soft in the head.

Rhodin's picture

Maybe they are tired of being followed by men in black for making cash purchases?

digalert's picture

BAC - Banks Are Crooks.

Just say no!

cognus's picture





dwdollar's picture

Don't forget weapons and other war supplies. You'll need those to lend aid to the Rebellion against the Empire. If you think the Empire will die a quiet death you're dreaming.

Josh Randall's picture

Orson Welles vs. The Bernank - love it!

Debtless's picture

Occupy a Credit Union!

Savvy's picture

My kid, fresh out of high school, racked up a cell phone bill she can't pay. They call my house of course, trying to collect. I love it, I'll chat with the poor collection agency employee, tell them how pleased I am she owes this debt because as long as she does, she'll never be approved to become a debt slave. Sorta by default she's walked away from the system. LOL

Dr. No's picture

I posted this before, but reminds me of my Depression generation grandmother.  She was on the phone with the bank and she wanted to close an account.  The teller threatened her that her credit rating would be damaged.  My grandmother responded "Credit rating?! I dont care about that.  I want my account closed".  I was clear the teller had no training how to respond to someone who doesnt care about her credit rating.

StychoKiller's picture

"Please Br'er Bear, you can do anything to me, but PLEASE DO NOT throw me into that briar patch!"


Ginny's picture

A very good way to look at it.

Tater Salad's picture

And you call yourself Savvy?  Weird

Ginny's picture

A must read for everyone.  This is essential for your survivial.  The hard part, of course. is teaming up to act.

jjsilver's picture

Learn the law, ignorance of the law is no excuse, every man is expected to know the law(that's what the courts say). You will learn a mind boggling fraud has been committed upon the people of the uSA. You are not who you think you are. And don't expect any help from the bar card foreign agents whose allegiance is to the court not you!

indio007's picture

Ditto to learn the law. I would also add the following. Stop believing falsities about what the law is.

False law number one is the the STATE is the sovereign.

 The STATE is not sovereign for there is no state and there are no citizens.

Those are legal fictions born in acquiescence.

Sovereignty is justified by allegiance. Allegiance is between men not man and corporation.


every subject (as it hath been affirmed by those that argued against the plaintiff) is presumed by law to be sworn to the King, which is to his natural person, and likewise the King is sworn to his subjects, (as it appeareth in Bracton, lib. 3. de Actionibus, cap. 9. fol. 107) which oath he taketh in his natural [1 0 b] person: for the politic capacity is invisible and immortal; nay, the politic body hath no soul, for it is framed by the policy of man. 2. In all indictments of treason, when any do intend or compass mortem et destructionem domini Regis (which must needs be understood of his natural body, for his politic body is immortal, and not subject to death,) the indictment concludeth, contra (a) ligeantice suæ debitum; ergo, the ligeance is due to the natural body.....etc....

4 A (c) body politic (being invisible) can as a body politic neither make or take homage: Vide 33 H. 8. tit. Fealty, Brook 15. 5. In fide, in faith or ligeance nothing ought to be feigned, but ought to be ex fide non ficta.

Abitdodgie's picture

You are quite rigth but which state do you talk about for example "state of california"or "california state" two compleatly different places.

Raging Debate's picture

I spent ten years learning the law. Let me say that some States they have closed circuit, one way fine machines. Say law says pay up. Even the Soviets didn't dare attempt this form of law without a process at all or Judges just can get away with skipping process.

Why? Because the Soviets knew they implemented this form of law that it immediately discredits the government.

Based on this logic, creating American citizen antagonists seems to be an intent. Says law is coming to all America and very shortly. When it arrives whatever value system of right and wrong will determine compliance.

Vagabond's picture

Break your chains and opt out.  My goal for next year: buy at least 5 acres of land no mortgage (by first half of the year), get at least 2 hydroponic greenhouses set up on the property, and get solar, wind, or water setup to at least partially offset my energy needs.  When that is complete I'll be ready to quit my job and walk away from the system.

Crack-up Boom's picture

it's a realy good plan and I wish you success. I just don't understand the name "vagabond" -? 

Widowmaker's picture

Taxes will take it all from you. Nice try, but you are still guaranteed a loss.