This isn't a new financial arrangement. Apparently, the Italians have been doing this since right after WWII. It's extremely organized, and banks even have in-house cheese watchers to take care of the collateralized wheels of cheese in environmentally controlled vaults especially built for cheese aging. They even check the wheels during the aging process to ensure that they are properly developing (they aren't worth as much if they have air holes in them).
Cheese deposits are up 10% during the current recession. Yet another indicator to watch as we look for signs of light at the end of the financial tunnel. In the meantime, grate a little Parmesean on your pasta and don't panic! There's more where that came from, and its tucked up safely in a bank vault.