I laughed a lot

In the days prior to the G20 summit in Washington, Spain made an unprecedented diplomatic deployment, in order to be present, although not belong to that group. The arguments used by the Spanish president Rodriguez Zapatero, at the time were two: that Spain is the eighth biggest economy and that the Spanish banking model was an example to the world. These arguments gave me a crimp attack, is already one of the biggest fallacies I've heard. The Spanish banking system within their borders is a typical example of the anti-banking. Anyone who has had a savings of as much in Spain and having two fingers of forehead, aware that if this is neglected, the Bank will come to force the bill of charges and / or failing to tax capital charges. This is not an example to anyone. Quite the contrary. Rather, it represents a scam and at the same time a confiscation of personal assets of savers.

As everyone knows, the economic crisis first came to Spain. Before that the rest of the world. And their causes were the damaging international relations with Spain have privileged USA, on the one hand and on the other hand mismanagement of the economy.

From a moral, ethical, accounting, cost accounting, and finance a savings account should not be subject to bank charges, except those that are a result of the debit making the story itself, either through withdrawal or special services requested by the bank. But all in all, at no time charges to the capital account, for concepts such as maintenance costs, and so on. The reason is simple. The costs are the charges of currency required to keep operating, or has no activity. In the case of banking, while most have a bank account, their costs down because it is diluted in the universe of savers. We must be clear that cost is not the same as spending. The bank works with money savers, and these transactions the bank must cover those costs. In the banking Spanish bank's costs are charged to the storytellers. In the countries of South America, Spanish banks have implemented these practices, until at some of them stopped the trot, being a Zacchaeus to savings accounts.

From the viewpoint tax is debited thorium-confiscates the capital of a savings account. The interest that these accounts generate, to some degree would be laudable debits, depending on the type of society you live, and the yields that these accounts have generated.

I love Spain, but things are dangerous for money, not so much for the mistakes they commit. If they are persistent in, and in many cases they do not accept their owns mistakes. That does not make them reliable. In this case, applies the reasoning of the German philosopher Getz:! Worse than an ignoramus in motion, is that it ignores their ignorance.