Actually, that's the problem. It's probably worth quite a bit less than nothing, so you and I will have to pay up.
We really should have been more careful with our money - or at least had some insurance against a rainy day.
The problem, it seems, was that AIG needed $90 billion, but didn't have any collateral. Oddly enough, I have the same problem, though I might be able to make do with twenty.