In the way which banks operate these days is certainly a lot of difference from when the idea of them was first conjured. The original idea was for the bank to be a trusted place to store gold and other valuable items. Today's money is just numbers on a screen, numbers which your bank is likely to be making huge gambles with.
Let's Make Money is a 2008 anti-capitalist documentary film created by Australian author Erwin Wagenhofer. Erwin is critical of elitist bankers who exploit society by using the world financial system for their own personal gains. It could be argued that they have made their own success, however when things go wrong who foots the bill?
Yes hypothetical figures can be plundered, especially in the developing world and those responsible are rarely ever held to account, relatively speaking.