THE TRUTH ABOUT MONEY | BANKS, AND WHY THE SYSTEM FEELS BROKEN
If this all makes sense, tell us in the comments.
Here’s what we’re dealing with.
In the 1970s the US removed the dollar from gold.
Before that, your money had real backing.
After that, it became paper backed by nothing.
From that moment:
• the USD floated
• the world’s currencies floated with it
• money became an idea
• trust became the only anchor
This let governments print currency whenever they needed to “stimulate” the economy.
They called it quantitative easing.
In simple terms: they create money, inject it into the system, and hope it keeps things running.
That printed money flows into:
• government spending
• banks
• corporations
• financial markets
Eventually it lands in your account.
You deposit it into the bank.
And here’s the part most people never learn:
Banks don’t hold your money.
They lend it out.
They invest it.
They use it to buy government bonds.
They recycle it back into the system.
Banks hold less than 8 percent of deposits in actual liquid cash.
That means over 92 percent of money does not exist in physical form.
It is digits on a screen, backed by trust and agreements.
If everyone tried to withdraw their money at once, the entire system would collapse.
This is not conspiracy.
It is how fractional reserve banking works.
So here’s the problem:
We have a global GDP of around 100 trillion,
but over 300 trillion in global debt (To who? Mars?)
Governments cannot pay it back.
So they raise:
• taxes
• inflation
• interest rates
You feel that pressure every day.
Your dollar buys less.
Your rent climbs.
Food prices rise.
Housing becomes unreachable.
You work harder to stay still.
Younger generations struggle to save.
Owning a home becomes a lifetime project.
In some countries like Japan, it can take multiple lifetimes to pay off a house.
This isn’t accident.
It is architecture.
The entire system is designed around:
• printed money
• rising debt
• rising prices
• shrinking purchasing power
• a workforce trapped in survival
When the US dollar lost its gold anchor, Washington tried to back it with oil instead.
They linked global oil trade to the USD, creating the petrodollar system.
But the world is changing.
BRICS countries now trade energy in their own currencies.
The Middle East is no longer tied to the dollar.
Energy markets are shifting to renewables.
The USD is losing its role as the world’s settlement currency.
When that happens, the value of the USD weakens.
Its global demand falls.
Its leverage disappears.
At the same time, 99 percent of money is already digital.
Think about the last time you used cash.
You didn’t.
We tap cards.
We scan phones.
We send digits across screens.
Money is no longer physical.
It is code.
It is numbers.
It is trust.
You pay transaction fees so banks and payment networks can process your digital numbers.
That’s their real business model.
But now new systems exist.
Cryptocurrencies
Decentralised networks
Digital wallets
Peer-to-peer payments
Stablecoins
Local currencies
Community funds
Sovereign wealth models
These new systems offer:
• speed
• lower fees
• self-custody
• transparency
• no middleman
• global access
• independence from inflation
This is why the traditional system is nervous.
The internet made people smarter.
People started investing, not depositing.
Money moved into:
• stocks
• crypto
• gold
• land
• digital assets
Banks want your deposits because they need the liquidity.
But most people don’t trust them anymore.
Central banks know this.
They are holding gold quietly.
Countries are demanding their gold back.
Some aren’t getting it.
That tells you everything.
Now look at the pattern:
• The money supply expands
• The value of the dollar shrinks
• Prices rise
• Debt rises
• Savings lose value
• Wages fall behind
• The average person works harder
• Banks and governments tighten control
And that’s why people feel stuck.
Because the system is friction by design.
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THE SIMPLE TRUTH
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Paper money is not backed by gold.
It is backed by belief.
Bank deposits are not “your money.”
They are numbers the bank owes you.
Most money does not exist.
It is digital credit.
Inflation is not “rising prices.”
It is the devaluation of your work.
Housing is not “expensive.”
The currency is weak.
Governments are not “stimulating growth.”
They are printing debt.
People are not “lazy.”
They are trapped in a model that no longer works.
And the younger generation is not “entitled.”
They’re the first generation to see the illusion clearly.
The system only works if people:
• trust it
• use it
• deposit into it
But now millions are waking up.
And that changes everything.