Congratulate yourself on being fortunate enough to live in the exact time where you can bear witness to history - the end of an era in economics that dates back to the 1690s! That' right.
What you are really seeing is the end of the idea that wealth can be created out of a requirement to be indebted to someone who added nothing to your position. That's what fractional-reserve banking is all about and your country (like mine-USA) is now coming to that place in the road where there no longer is a choice. The fractional-reserve/liability inflation method of banking is failing on an incredibly huge scale. Instead of getting rid of it decades ago after the banking debacle of the 1930s lead to World War II, we all kept at it for the sole benefit of the commercial banking industry's fortunes and those of its allied members in the ruling-class of all sovereign nation-states.
Yet it is all coming to an end and you are going to bear witness to its destruction in your lifetime. The banking crisis facing Europe and the U.S. is no different than that we faced in the 1930s. This time there is nowhere to run to and only a great world war will give fractional-reserve banking another chance.
You can stop it and in the process be part of ushering in a whole new era on this planet in an economic society that leaves none behind but those with the backwards ideas such as fascism, socialism, communism and feudalism.
It's time. You can be part of the solution or continue to let the problem kill you one day at a time.