Courses on Khan Academy are always 100% free. Start practicing—and saving your progress—now: https://www.khanacademy.org/economics-finance-domain/core-finance/money-and-banking/banking-and-money/v/banking-7-giving-out-loans-without-giving-out-gold How banks can give out loans without ever giving out gold. More free lessons at: http://www.khanacademy.org/video?v=On3c86V5A_E