There are currently $15 trillion of mortgage loans outstanding in the US. You may be surprised to learn that the biggest banks in the US hold the majority of the mortgages. These banks issued the subprime and Alt-A toxic mortgages that brought the financial system to the brink of collapse.

There's no doubt after examining these figures that the mega-banks control the country’s financial system. Ben Bernanke, Hank Paulson, and Tim Geithner have decided that these banks need to be saved at the expense of the American taxpayer.

The top 10 originators of mortgage loans in 2008:

1.  Wells Fargo
2.  Bank of America
3.  JPMorgan Chase
4.  Citigroup Inc.
5.  SunTrust Bank Inc.
6.  US Bank Home Mortgage
7.  Residential Capital LLC
8.  MetLife (MET)
9.  Flagstar Bank (FBC)
10. PHH Mortgage (PHH)

The largest banks in the US have balance sheets populated by trillions in toxic worthless assets. The lifeblood of any bank is deposits. If a bank is denied its deposits, it will collapse. There are 8,000 other banks and 8,000 credit unions in the country. Thousands of these institutions never made a bad loan. If you have money on deposit with one of these mega-banks, withdraw the money and deposit it into a small local bank or credit union. You'll have the same FDIC insurance, and you won’t sacrifice any income, since these mega-banks are paying less than 0.5% on your deposits -- while charging you 8% for car loans and 20% on credit card balances.

These banks continue to write off billions in bad credit-card and mortgage debt, quarter after quarter. These banks make billions in late fees and interest income by charging 20% to people who pay their debts late. If the good creditors take their business elsewhere, the mega-banks will be left with only bad debtors.

The average individual tax refund for 2008 was $2,700 -- effectively a $200 billion interest-free loan to the US government. If every working American walked into their place of employment on Monday morning and increased their W-4 exemptions by 2, we'd deny the politicians in Washington of billions for a year. This is a legal way of starving the federal beast. The current economy is dependent upon Americans spending money. Our spending accounts for 70% of the US economy.

American citizens therefore have more control over the situation than we know.

The country's current fiscal course is unsustainable. We can choose to let the United States collapse under the weight of debt, corruption and mismanagement -- or we can make a stand today with our own money. It's time to do the right thing.

Do you know what’s worth fighting for?