Economic Analysis Which May Not Be Correct But Is Easy To Understand

I studied commerce in college.
No. Wait.
I tell a lie.
I was in the commerce faculty in college.
I actually went to seven lectures during the entire year. (Well, there was this girl, and she was free during my lectures and....)
And I didn't like any of them.
So maybe that's why this whole world economic situation has me utterly baffled.
OK. I get the bit about how our government made a complete hash of things by chucking money at its builder and developer mates to build houses and apartments which, it turns out, nobody actually wants.
And I get the bit about how, even through we were, briefly, amongst the richest countries in the world, we managed not to build a decent road between either Dublin and Cork or Dublin and Rosslare/Waterford.

We did manage to build a road to the border. But that had nothing to do with infrastructure. That was, wasn't it, to do with something called 'the peace dividend' or some other such rot.
But the world is in turmoil. Nobody seems to have money. Those who have it - banks don't you know - are holding onto it like grim death and won't lend it to anyone.
Thousands are losing their jobs in Ireland. Hundreds of thousands in the US. Millions, apparently, in China.
You see, with my basic knowledge of economics (it was my best subject. I got 25 per cent) I know that the money is still somewhere.
It's possible that there is a large stash of it in the safe of our former 'leader' Bertie Ahern.
But really, it is somewhere. It's not like someone burned it.
It's not like a euro or a dollar or a pound suddenly went the way of the Zimbabwe dollar and became worthless.
The money is about.
And so we can guarantee all the bank assets we like, chuck our money at them if we wish and cosy up to their overpaid, underachieving, cruel, greedy bosses and the good it will do it is nil.
We want the money.
We want it back in circulation.
We want developers to release money even if they have to sell land and buildings at a loss. Make them do it. That's what banks do to unfortunates when they take their homes from them. They force them to sell because they want their money.
Well, we want their money.
If governments can't force banks to release money, to realise assets to get money, to behave, well then, what's the point in democracy?
What's the point is us voting?
What's the point in Barak Obama if he can't make banks do what they should do, what they morally must do?
That's it.
Economic analysis from a buy who got 25 in economics, 15 in maths and 0 - yes zero - in accountancy.
Makes sense to me.