There was once a time in the world when people would have to struggle hard to make a life. In this time of struggle, it is said that almost everyone had to start from the scratch. As well as risking their own labour in order to make a fortune.
The only way to go forward during that time was to start from the bottom of the pyramid, give it all you've got, then start slowly climbing up the ladder. It was slow process, but the only one for everyone.
There were two kinds of people in this world; the people who knew something and the people who did not. But it was a different time. Many things were happening in the world, things that nobody ever knew about. Particularly, the appearance of our beloved PoE.
After the first appearance of PoE, everything changed. It seemed like people were living in a strange world, most things were unknown to them, most things were forgotten, and the struggle of working day after day and gaining barely no money, became history.
And now, all this is nothing more than a story, a made up story that people tell children to make them sleep at night. Children who struggle to get money to buy a crust of bread in a land where poverty is minimal at best. There are not many, but as always, some are always greater than the rest.
But this is a made up story. In the world that was once so dire, PoE brought a great change. A difference that was so large and deep, it was enough to make them hardly noticed.
There was once a time when the banks were the "fairy tail" of the home owner. Robbers couldn't go far without the banks. In fact, they were simply useless, because they would never pay back anything one had borrowed.
But that was the world that had been before. After PoE's first appearance, in the world of banks, almost all the laws were changed.
The banks have suffered changes of a fundamental measure. If a bank was on top of everything, and had the resources, they could simply pay back what they had borrowed, despite the scenarios of bankruptcy or credit rise.
But it was not always like that. It all began so innocently, with a simple little application. It was a program that could literally copy and paste the files of the banks, applying that to the world PoE were roaming about in.
It would then start making sense, with the banks suddenly having many more options than they had before, their debts being a thing of the past.
It then was used widely in its plights. The poor would borrow and the rich would offer low cost credit.
All of a sudden, those banks that were paying back the least would be the ones paying the most. They were not just paying more, they were paying that extra money back, and then some.
It was an unprecedented situation, and nobody saw that it would take to an even more unprecedented one. The banks simply would not pay back all they owed.
Some who had borrowed money would have to live in poverty, while others would escape from the clutches of poverty's prison.
People were so innocent at that time. As they were still unaware of what was happening, they were getting used to it. They were even talking about it.
Many were beginning to discuss the topic of "Banks are evil", and then of "How did we get here". But even they were wrong.
What they didn't see is that it was the banks that were bad, not the people. The people had borrowed money, thinking that it was the banks that would not pay back, when in fact it was the banks that wouldn't pay back.
Even the banks knew that they themselves are not responsible for what was happening, because it had never seen the world before that. Even the banks realized that they themselves were innocent.