In a dream vision I saw a giant credit card lifted up before my eyes to the left. Then to the right I saw the single word written in capital letters, “FREEZE.”

America, the nation faces an increasing credit market freeze in a credit-based economy. The regular practice of interbank lending of unsecured loans has already frozen up, requiring the Federal Reserve to step in and pump billions of dollars each night into the interbank market.

If the banks do not trust each other, and they are “in the know”, then why should American depositors trust them either? The Federal Reserve’s nightly infusion of billions of dollars cannot go on forever and has serious long-term effects.

Under the recent “bail-in” laws of The Dodd-Frank Act, depositors are “unsecured creditors” and a portion of the funds in depositors’ bank accounts—at the moment possibly every dollar over the FDIC-insured limit of $250,000—is legally able to be confiscated by a bank that faces insolvency. In a national crisis, the regulations can change quickly, and that limit can be lowered and “taxes” and “fees” can be taken from accounts. In a recent example of a “bail-in” from 2013, the Cypriot government approved what constituted “legal theft”: depositors in Cyprus banks whose accounts were greater than 100,000 euros—the secured limit—had any funds over that limit confiscated.

America, you have been warned. Though America is undergoing judgement, God loves His faithful people and would spare their suffering.