06/22/2026
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Anyone who thinks that banks lend out money entrusted to them by savers is mistaken. They create it out of thin air through simple accounting entries. How does this money creation work, and why does it result in ordinary citizens having less and less money at their disposal? As Henry Ford once said, “It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning.” Source.
You should never work so much that you don’t have time to live. You only have to look around to see the masses who are busy making money. Our world is set up in such a way that you don’t have time to enjoy the things you’ve worked so hard for—after all, you have to earn money to pay the next set of bills.
We buy things we don’t need with money we don’t have to impress people we don’t even like. Sure, not everyone has those kinds of preferences. Impressing the neighbors has never been important to me.
Even if you win, you’ll just be the winning rat,
I described how I managed to escape the rat race in the article “How Will We Pay After the Crisis?” It’s a difficult process that requires a radical change in the way we think and act. Breaking old habits is one of the hardest tasks, but the reward is tangible: independence from the system—within realistic limits, of course. Believe me, it’s worth it. I won’t receive a letter from the bank demanding immediate repayment of a loan, because for more than a dozen years I’ve had no obligation to pay interest on interest—and I never will.
Of course, there are situations where a loan—such as a mortgage—is unavoidable. However, if you’re taking on debt just to go on an exclusive vacation in the Maldives, then something’s wrong with you. If you want a vacation like that, first pay off all your loans and save up the money before you go so you can return home without any unnecessary financial burdens. The price you pay for deluding yourself into thinking you can afford everything despite your debt is truly high.
Author of the article: Marek Wojcik
Email: worldscam3@gmail.com
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