Still confused on how banks work check out this article
http://money.howstuffworks.com/personal-finance/banking/bank.htm

The Fed and Regulatory Capture

http://m.thisamericanlife.org/radio-archives/episode/536/the-secret-recordings-of-carmen-segarra

What is the 5 largest portions of the federal budget?
What are the 5 smallest portions of the federal budget?
If you could what would you give more money to?  Why?
If you could what would you spend less money on?  Why?

The following is the federal budget for 2013 both mandatory and discretionary spending.