In the following video, Motley Fool analysts Morgan Housel and Matt Koppenheffer discuss some potential ramifications of the fiscal cliff. Since a significant portion of the U.S. national debt is owned by big banks, they stand to lose a lot of money if the fiscal cliff causes interest rates to rise, a scenario that many think may occur. Morgan, however, points to some recent U.S. history that may suggest that quite the opposite is possible.