It's a weird world. The government promises the banks recapitalisation to the tune of billions to bail them out of the mess they helped create. OUR billions, I should add, as this is taxpayer money. So, the banks get OUR billions (ok, along with a few minimal conditions, such as they lend it rather than sitting on it like Smaug the Dragon), they then lend this money out in the form of loans, and possibly mortgages.
The borrowers - mostly taxpayers like you and me - pay these loans back at nice fat rates of interest to the banks.
The banks get this repaid money and loan it out again.... now all of this has become by sleight of hand THE BANKS' money!!!???
I dunno, sounds a lot like money-laundering to me!