At the heart of banking is a suicidal strategy. Banks take money from the public or each other on call, skim it for their own reward and then lock the rest up in volatile, insecure and illiquid loans that at times they cannot redeem without public aid. ↗
I've been in the shallow end of a pool, just kind of walking around, but this was my first time really swimming - and I was horrified! I actually lost it whenever I saw the edge of the pool. But I took baby steps and rewarded myself every step of the way. ↗