They have it ALL. You only get what they say you get, and they can take it whenever they want. If you take a loan to buy land, they create the money out of thin air, give it to you, and when you default on your loan, who gets the land and house? Why does the bank get it? THEY NEVER OWNED IT IN THE FIRST PLACE SO WHY DOES IT DEFAULT TO THEM? The money they lent you WASN'T THEIRS.   Bingo. The system is fucking insane.