DST for You and Me?

Daylight saving time started here today.  This thing is forced upon us every year.  It makes me wonder about how the daylight is saved.

Is it deposited in a bank somewhere?  If so, is it a local bank, a national bank, or a central bank like the Federal Reserve?  Does it earn interest, and if so how is the interest compounded? 

What happens if there is a run on the banks?  Is the daylight backed by the FDIC?  Will people begin hoarding daylight, and how will they do it?  Can they put it in a coffee can and hide it in their backyards? 

What is done with the daylight that is saved?  Is it loaned out, and to whom?  How is the lending rate fixed?  If the Interest on the loans is too low, does the economy get flooded with too much daylight?  Is the daylight devalued if it is too plentiful, or if the lending rate goes up will there be enough daylight to go around? 

If the government uses more daylight than it takes in, can it make more?  Whose daylight serves as the baseline by which the daylight of other nations is valued? 

It seems to me that daylight saving time creates more problems than it solves. Hawaii and Arizona seem to be able to get along just fine without it. Perhaps we should do away with it.