Executive Summary - The organized crime banks appeared to have lobbied and bribed the "government" (and potentially installed and propagandized/indoctrinated/normalized a federal "government" in the United States) to allow them to engage in a financial scheme known as fractional reserve banking where they are allowed to create money out of thin air and loan it at interest even though the process is inflationary and steals the value of the money earned and saved by everyone else.

This process has dramatically impoverished the average worker costing them, according to analysis done by the Grok and Claude AI models, between $500K-$1.2 million dollars over their lifetime vs. what they would have received through an honest non-inflationary monetary system.

Under a gold standard system, workers could have done even better as the gold standard has been proven to be deflationary, reducing the costs of the luxuries and necessities of life year-over-year more fully transmitting the savings from innovations and productivity Improvements.

The AI model predicts a lifetime delta across wages, savings erosion, inflated asset costs (housing, healthcare, education), and foregone compound purchasing power plausibly exceeds $2 million for a median worker.

These losses includes the inflation/loss of purchasing power from excess money creation, the well recognized Cantillon effect of new dollars created being worth more to those who receive the funds first then losing value, and the compounding trap where worker must now borrow/borrow more to purchase assets and services driven up by inflation including housing, education, and healthcare.

The system has simultaneously made the banks over $20 TRILLION dollars between 1913-2025 in 2025 dollars. It is an exorbitant privilege only afforded a favored few who are granted a "government" banking license. There is a 90-97% rejection rate in the US and European Union even after you meet the minimum reserve requirements of $10-100M dollars depending on your business plan/bank type.

The System Has Many of the Hallmarks of an Organized Crime Partnership with the Federal Government and Monopoly Media/Academia.