The US is home to more than a billion people.

There are nearly a million banks and more than 10,000 credit unions, and tens of thousands of smaller banks that operate out of their own branches.

It’s also home to roughly 100 million consumers, many of whom are struggling to make ends meet.

But the state of the banking system is anything but great.

And the US financial industry has been struggling in recent years as interest rates have hovered around historic lows, leading to fewer deposits and less lending.

Some analysts have warned that the crisis could be far worse than many of the predictions made by economists who were at the forefront of the Great Recession.

And it could get worse.

“We’re now at a tipping point,” says Bill Clark, the CEO of the New York Stock Exchange, the largest stock exchange in the US.

The financial crisis began in 2008 when banks suddenly failed.

Since then, the stock market has suffered more than 5 percent of its annualized gains, the S&P 500 has lost more than 20 percent of value, and the unemployment rate has risen to nearly 12 percent.

In recent weeks, the US has seen a flurry of interest rate increases, the longest ever recorded by the Fed.

“The problem with the stockmarket has not been the Fed, it’s been the markets,” says Chris Kostor, chief investment officer at Credit Suisse, the investment bank.

“This has been the worst period in terms of interest rates since before World War II.”

The Federal Reserve’s bond buying program has been slow to start but has since expanded.

Its goal is to buy $3 trillion worth of debt over the next 10 years, with the goal of reaching full employment by the end of that time.

But that’s not happening fast enough, according to some economists, and many economists expect interest rates to remain low for years to come.

“I think the markets are pretty much at a stalemate right now,” says Brian O’Neill, a professor at Stanford University who studies financial markets.

“There are a lot of folks who think this could be a long, slow, painful process.”

Some banks have begun to scale back their lending.

Others have had trouble keeping their doors open.

And even some of the best-known banks have seen their share prices drop in the past year, prompting some investors to call for a correction.

In some ways, it seems as though the US economy has simply been on life support for most of this decade, and it could continue to deteriorate for a long time.

As of last week, the unemployment number stood at 7.4 percent, the highest since the depths of the financial crisis in 2008.

And just one in five US households have a bank account, according a recent report from the Federal Reserve.

The banks that have been able to stay open have done so thanks to some of America’s most successful credit cards and other consumer products.

Many banks have created high-value consumer products, like online credit cards that can be used for all kinds of transactions, including purchases at gas stations, gas stations and other retailers.

The company that makes these cards is Bank of America.

But as banks have had to scale down, so too have the banks that are able to open new branches.

Many are doing so as they try to pay down their balance sheets and maintain profits.

They have done that by taking on more debt, reducing lending to smaller banks, and investing more in technology to help them stay online.

In other words, as the economy has slowly come to a halt, the financial system has become more fragile.

There have been two significant events in the last decade that have led to a new kind of financial crisis.

The first came in the late 1990s when banks were able to get access to cheap credit that was largely available only to the wealthy.

By the time the recession hit in 2008, the vast majority of people who could afford to buy a home were unable to do so.

But some of these people were able in part because of the Fed’s easy credit program.

The Fed created a new type of credit called mortgage-backed securities.

It made it possible for banks to borrow money at low rates and then lent it out at high rates to borrowers.

As long as borrowers didn’t have enough cash to pay back the money, the banks were allowed to make loans, and interest rates could rise or fall accordingly.

The second major event came in 2013, when the housing bubble burst.

The housing market collapsed, causing many to lose their homes.

Some banks, such as Bank of American, went out of business, and a lot more of the middle class had their homes foreclosed on.

And many households were stuck with massive debts, which forced them to go back to relying on food stamps, Medicaid and other government programs.

These programs, known as the “safety net,” are meant to help people who can’t repay their loans but