@overlord - Most people don't know how banks or credit cards work but they still trust and use them anyway. How many people realize that only 97% of all US dollars exist in only digital form? How many people understand fractional reserve banking and its implications? Don't get me wrong, I wish people were as informed and sensible as you make them out to be but in my experience, the vast majority of them just aren't. Having faith is just so much easier than doing your homework.