Can't speak for the OP, but the whole debt-based monetary system is one colossal screw! Sovereign governments give up their monetary power and allow a group of private corporations called "banks" to create the money. Then, the government uses force to coerce the citizenry into using the privately created debt-money. Since the whole money supply, minus a tiny amount of physical currency is really just a series of debt obligations and the banking system is a closed loop, banks are collecting interest on money that they created out of thin air. Via this special power, bankers are permitted to suck wealth out of the productive sectors of society and all people who are doing the real work and creating real wealth. Unless you're a banker, government employee or are operating off the grid, you're getting the screw as well. Watch the short film "Money as Debt"(on youtube) if you're unaware of the "bank screw".
Yes, I'm confused about the Deposit/Investment thing because the government repealed the Glass-Steagall Act, thereby removing the firewall between deposit banks and other financial institutions. Also confused because Goldman Sachs was an investment bank, but in 2008, government waved a magic wand and turned them into a deposit bank so that they could cash in on TARP and Federal Reserve bailout $$$. Even more confused because the FDIC has a documented procedure and legal obligation for handling insolvent banks and the law was flagrantly ignored.