It doesn't say who came up with this brilliant idea, other than "someone from the Napa Valley wine business", which is a shame because whoever it is evidently doesn't realise the true extent of their own genius.
Everything has a polarity right down to the atomic level, and when put into suspension in a liquid it rotates in relation to that pole. Because we are on a planet that has both a polar system and a consistent rotation, everything forms with a pole and a circular patterning. Wind it one way and it tightens and wind it the other and it unwinds.
This means that when economists tell us "money is tight" all we need to do is wind the banks the other way!