So who's got all the money then?

The credit crunch (I thought it was a new cereal bar) has biten hard today and everyone's shitting it! Where has all the money gone? I haven't got it, I've looked down the back of the couch, it's not there, so who's got it all? I mean at this rate, if all the banks go bump, we'll all be carrying around gold ingots to pay for the weekly shop.