There is no 'real money'. It's all promissory notes. There are no physical dollars, euros or pounds they are fiat currencies, they exist because the governments say they do. If you check the bank's ledgers all your money is there. They may well have lent against it, but your money is there as a liability and the loans are their assets.
Panic, Chaos, Destruction. My work here is done. Drink. Get drunk. Fall over - P O'H OK, I will win to day or my name isn't Ethel Crudacre! - DD Ethel Crudacre I cannot live by bread alone. Bacon and ketchup are needed as well. - Trollslayer Have a bit more patience with newbies. Of course some of them act dumb - they're often *students*, for heaven's sake - Terry Pratchett