After the recession hit in 2006, our economy suffered widespread economic and national debt levels that made it difficult to grow. And we haven’t had a significant economic recovery since. To make matters worse, the government is planning to send the national debt up to $600Trillion before 2015. There are too many problems to list here, but the biggest is that our money market fund was essentially frozen during the financial crisis. With unemployment rising at an alarming rate and little hope of a recovery, there’s really no reason for anyone to keep their money in a bank or credit union when someone is only paying them back in perpetuity.