Even if you think the money belongs to you, somebody somewhere is paying interest on that money.
The amount of central reserve currency Bank A has at the Bank of England is reduced by the corresponding amount that Bank B receives. This is the importance of central reserve currency to banks.
September 2007. Thousands of Northern Rock customers queue up to withdraw their cash. The company had been forced to seek emergency funding. It's the first run on a British bank in 140 years. Northern Rock had committed to asset (mortgage) purchases, but was unable to sell securitised assets to meet these obligations.
Now, the best way to do that, in my opinion, is to make sure that money is issued into the economy only for productive investment, for productive goods and services, so money goes in to help a small business to start up, which creates jobs, which creates additional purchasing power, which means there's no inflation.
Similarly, after the advent of paper money and the gold standard, the exchange rate depended on the amount of gold the government promised to pay the holder of the bank notes. These amounts did not vary greatly in the short term, and, as such, exchange rates between currencies were relatively stable.
What I would say to everybody is, get prepared. This is not a time right now for wishful thinking that the government will sort things out. The governments don't rule the world: Goldman Sachs rules the world.
One of the ways that the economy was kept going was by providing cheap credit, providing debt to those very people who couldn't really afford things anymore, so they kept buying and when it collapses, it's those same people that have to pay once again, even though in many ways they were the victims the first time.