On Oct 9, 2008, at 2:59 PM, C. G. Estabrook wrote:
> The point is that the money's out there somewhere. We need to give a
> good (non-metaphorical) account of why it's not being "loaned."
Because those with money are afraid they're not going to get it back if they lend it to those who need it. How much more complicated an explanation do you need?