6 Questions for Finance Professionals

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  1. Why do people have to work for money when financial institutions can create it out of nothing?
    Financial institutions create money as credit with no cost to themselves, but people must trade their time, labor, and resources to earn it. How is this fair? What justifies such a stark imbalance?
  2. If financial institutions lend what they don’t actually have, why must people pay it back?
    Lending money created from nothing seems indistinguishable from fraud in any other context. Why is it acceptable for financial institutions to do this and still demand repayment, plus interest?
  3. Isn’t defaulting on unfair debt the rational choice?
    In 2023, I stopped paying $1.25 million in debt, including my mortgage, after realizing these loans were created without real value. Thousands of others are now taking similar steps. Defaults inherently challenge the illusion of credit created from nothing, destabilizing the system. If I’m right, the financial system may be nearing a breaking point.
  4. Why is the burden of proof on borrowers, not lenders?
    A valid contract requires “consideration,” something of real value. If money is created from nothing, how can contracts backed by such money be enforced? Shouldn’t financial institutions be required to prove they provided real value in their loans?
  5. How is charging interest on “nothing” fair?
    Charging interest on loans created from nothing adds no real value and appears exploitative. Even if the principal held value, demanding more in return without additional value seems fundamentally unjust.
  6. Why should anyone trust this system?
    If the financial system relies on claims and practices that fail rational scrutiny, why should people trust it? If borrowers can’t independently verify the value behind loans, what basis is there for confidence?






































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