Bankers and speculators build castles in the air but when they come crashing down ordinary people have to pick up the tab. How we've made such a mess of our money system is explained, from the earliest banks right through to «collateralized debt obligations.» The author suggests the framework for a fairer financial world: the practical ideas, required regulations, and real-life examples. [b]Peter Stalker is a former co-editor of the [i]New Internationalist who now works as a consultant to a number of UN agencies. His books include [i]Workers without Frontiers: The Impact of Globalization on International Migration and the [i]No-Nonsense Guide to International Migration.