5. Brian Macker: Come on, any good economist knows this was due to a fractional reserve monetary inflation spurred on by central banks holding interest rates below market worldwide. It’s a simple case of a price ceiling on interest rates. Price ceilings cause producers (savers) to produce less and consumers(borrowers) to consume more.

I don’t understand this. What does Brian mean equating produces with savers? Why do we need savers in order to borrow (produce) anyway? We need investors in order to produce. Isn’t that accomplished with either saved or borrowed money? What’s the value of investing savings over investing borrowed money? I don’t’ see how that caused the financial crisis.