He's back, and you might notice one big improvement — from this video onwards, the sound should be a lot better. In this video, Madsen talks about banking. Banking isn't about money stored in vaults, he says, but people acting as middlemen between savers and borrowers. In lubricating the lines of savings and credit, bankers are indispensible to a well-functioning economy. But there's a dark side, too: politically-driven bailouts for banks that go wrong.