Who is really to blame? ——————————— John Doe goes to a “financial institution” for a loan, but here is what really happens: • John Doe loans the “financial institution” his CREDITs by autographing the negotiable instrument • The “financial institution” then goes to the fed window for “money of account,” (printing more promissory notes) receiving FULL mature value of the note (including interest) up front • John Doe doesn't know he loaned the “financial institution” his credits • John Doe does not know that he has a duty to offset his debt—offsetting his credits with debits • John Doe does not realize that he (not the government) forced the “financial institution” to print more currency; he does not realize that he just caused the national debt to go up Currency>>promissory notes>>NOT MONEY The choice to know more is yours!