The problem is using credit for money. Money doe's NOT have to be a debt and is better if it is not. It should be a publicly issued permanently circulating asset, like Lincoln's Greenbacks, and banks should be banned from creating money and issuing it as debt. A plague on the world. A for-profit money system is usury of the worst kind with all its ugly psychological consequences. As Dante described it, "an extraordinarily efficient form of violence by which one does the most damage with the least effort." The system concentrates wealth and power that is wholly dedicated to maximizing profits at any cost to the world. It is wrong and must change. monetaryalliance.org