I was locked in a debate recently about the credit crunch and banker bail outs, and it's really made me angry about the way the financial world works!

When the banks messed up and caused the recession, the government bailed them out with an obscene amount of taxpayers money, but when they stabilised, they didn't pay the government back. How is that fair?

When a person is about to lose their home or in financial troubles and gets the bank to bail them out with a loan, they have to pay that loan back WITH interest! How is this fair? Long story short: it isn't. At all.

And they're still misbehaving - British company Rowan Dartington were fined £511,000 by the Financial Services Authority for failing to segregate their money from that of their clients. Dangerous! Some have pointed to problems with record keeping in the company, and the constant changing of managing directors for a period of time leading to a £1.4 million 'black hole' in losses.

It's unbelievable. The way banks operate needs to seriously be looked into, and they should all be paying back the government for their bail outs to stop all these ridiculous welfare cuts!