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Time went on, and times got hard. But the community's pot of money was not invested in crumbling banks - the people were invested in each other. So although the government guaranteed the banks, the community clung together. Those who were in difficulty could still borrow from those who had chosen to invest in the community rather than the iffier stockmarket and banks.
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Did Someone know something that everyone else didn't know? Or was Someone just smarter than the rest of the community? Somehow, more and more investors realised that they were financially safer with the banks than with the community. One by one, they took themselves and their money off to a new home, leaving behind them a community increasingly bewildered, beleaguered and short of the means to meet the challenges of the times.
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And so, the principle of community and mutuality was lost; the poverty and hurt of those left behind contributed to the instability and violence of a society which damaged all of society for generations to come.
The best interest of those who can choose it is not always in the best interest of their children's generation.
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