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The following is the basic underlining problem that is at the root of all other
problems today, so what is the solution? Watch the solution video.
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Self evident irrefutable facts about interest charged on loans (1-12 + example).
The following has nothing to do with predatory lending because they are inheren
t with all banks and all loans.
Once the following is understood you will know why it is inherent in the baking
system to have wide spread foreclosures, boom and bust inflation and recession
cycles in the economy,

1. From the many publications that the Federal Reserve prints on its policies an
d procedures on loans, accounting, how money is created, and by its many example
s provided, it is clear that all money circulating in our economy today, came in
to existence because someone borrowed money that was loaned to them from a bank.
The publications all demonstrate that all of the dollars in existence today are
principal money or the money which was originally loaned to someone, who some o
ne still owes and has not paid back yet to the bank. Thus interest money does no
t exist. Interest money meaning the finance charges, and fees associated with ha
ving any bank loan. The Federal Reserve does not demonstrate how the interest mo
ney is created and placed in to the economy in any of its publications because t
he interest money is never created, and doesnâ t exist!

2. In any bank loan, including credit cards, since the interest money that is ch
arged to the borrower on the loan amount, also called the principal money borrow
ed, is never created and so the interest money is never in our economies circula
ting money supply, then of course the interest money charged to us by the bank o
n our loan simply doesnâ t exist.

3. So the borrowing of money or credit from any bank at interest makes the loan
agreement mathematically impossible to perform as the loan agreement specifies.
As the bank when approving a loan creates the principal money loaned to the borr
ower but the bank does not create nor provide any means, whereby the borrower ca
n acquire the additional interest money to repay the principal money together wi
th the added interest. As there is no source to provide the interest money, ther
e is no possible way a borrower can acquire the interest money.

4. All so called interest charges on a loan can only be paid by collecting other
borrowerâ s principal money (borrowed into existence) spent into circulation, thus
further reducing the money supply.

5. As when a borrower pays interest, the interest portion of the payment reduces
the principal money supply in circulation, as the entire money supply that exis
ts is always principal money, which was the original loan amount borrowed into e
xistence, who the borrower then spent into the economy.

5A. As interest payments are paid on loans, the entire circulating money supply
or principal money is reduced by the amount of interest money paid, thus default
s and foreclosures on loans are inherent in the Federal Reserve central banking
system amongst borrowers. The issue here is a mathematical one.

5B In order for borrowers to pay the interest portion of the loan, they must fir
st pay more then they borrowed and so more then was created. So for borrowers to
pay their entire principal and interest obligations, they will have to obtain i
t from other borrowers interest money spent into circulation. Thus, causing the
total circulating money supply to shrink or the economy to contract faster then
the total obligations of all borrowers, at any single moment in time. So now the
re isnâ t even enough money circulating for all of the borrowers to even pay back t
he principal amount either at any single point in time. Thus making it mathemati
cally impossible for all borrowers to honor their loan agreements, and pay off t
he balance of their loans at any single point in time. Thus why a mathematical p
ercentage of loans inherently are due to default at any given moment in time and
thus the meaning of usury and why it is outlawed in the bible.

6. The most a bank can get paid back is the amount loaned to the borrower in the
first place, It is impossible for the borrower to pay what was agreed to as the
agreement terms specified because of the single source doctrine.

7. Single source doctrine states that when there is a single source (producer) o
f a product produced then the single source (producer) can never collect even on
e more product then the total number of products that the source produced.

8. Since the word interest is defined as or denotes a profit, then the word inte
rest is a deceptive, made up word, and a con job. Because as the single source d
octrine shows there can never be a profit from collecting interest on loans sinc
e only the principal money is created and exists in circulation. To ear a profit
or interest would mean a lender would have to collect more money then is create
d and exists, that would be of course impossible.

9. The Federal Reserve and all member banks create money and lends it at interes
t and all of the borrowers are lead to believe that they will have the means or
capability to pay the principal along with the interest. Again, the bank does no
t create or provide any means whereby the borrower can acquire the additional mo
ney to repay the principal money together with the added interest. As there is n
o source to provide the interest money.

10. And by the bank collecting and withholding the interest money collected from
the borrower, intentionally, knowing full well ahead of the time that it will c
ause an impossible aspect to manifest itself, then doesnâ t it seam reasonable to c
onclude that the bank has really only placed itself in a bind because it can no
t have any just claim on the asset of the borrower because it is the bank who ha
s caused the borrower to default purposely by collecting and withholding the pur
ported interest money from being in circulation, thus causing a short supply of
principal money and causing the economy to contract. That is the principal money
or the amount of money borrowed, due and owing, is cause to be in short supply
in the economy by the very bank the loan was taken from.

11. With the principal money and credit in circulation being in short supply, th
e only way for the borrower to pay off a existing loan is to simply borrow more
money, because it is the only source of expanding the existing money supply ava
ilable to borrowers to pay off their previous loan. Soon there after, the borrow
er will have to take out a 3rd loan to pay off the 2nd loan and so on. In most c
ases this just prolongs the inevitable default at a increasing pace since the in
terest on the new loan is ever accruing. For many of the borrowers who default o
n their loan obligation is because it is inherent of the Federal Reserve central
banking system. The borrowers who do pay off the principal and interest over th
e life of the loan do so by collecting principal money in circulation borrowed i
nto existence by other debtors, thus further reducing the money supply or the am
ount of money owed total in comparison to the amount of money in circulation at
any single point in time.

12. So all borrowers are competing for a ever dwindling money supply in this eco
nomy without ever being aware of it since it has never been disclosed by the ban
k.

For Examples:

Lets ay a $100K is borrowed at interest for 30 years at say $833.33 a month, for
360 months, which totals 300K. That is $100K principal and $200k interest, it w
ould be reasonably possible for a buyer to pay off that loan if properly qualifi
ed, given longevity and income expectancy pan out. But the bank only lent out or
created and placed in circulation$100K, but the borrower owes $300K, so where i
s the other $200K needed to satisfy the entire loan supposed to come from when o
nly $100K exists and is available in circulation, sine that is all the bank crea
ted? In our real world, there of course exists many billions of loans made at va
rious time frames. In the early months of the loan repayment only a tiny fractio
n of he minimum monthly payments due are applied to the principal, all the rest
is interest. So now even after just the first months payment, there already is n
ot enough money in circulation to pay off the total principal amount due. Sol le
ts say out of the $833.33 monthly payment, $800 was interest and only $33.33 app
lied to reduce the principal amount due. So out of the $100K in circulation, $83
3.33 is used to make the first payment, so there is only now 499166.67 left in c
irculation, of which $99,966.67 principal amount is left outstanding, still due
and owing on the loan, making the loan already impossible to satisfy in full. As
the installment agreement gets older, a greater portion of the monthly payment
will be applied towards the monthly principal, However this does not make any di
fference, because all the borrower can pay and all the bank can collect is a tot
al of $100K that is in existence.

Simple example, yet just as true as any real world complex scenerio
Principal loan or loan amount payment made interest paid Principal loan
or loan amount still due money existing in the entire economy
$100,000 $833.33 $800
$100,000-$33.33=$99,966.67 $100,000-$833.33=$99,166.67
So after just one payment, out of all the money left in existence, $99,166.67,
$99,966.67 is still due and owing while. So in this example of just one borrower
, and after just one payment, $800 more is already owed then there exists in the
economy! This is what is meant by the economy is or has contracted, in this sim
ple case, by $800. Now if there are hundreds of millions or even billions of bor
rowers, then just multiply this simple example by hundreds of millions or billio
ns, and you will see the results are the same, just on a much larger scale. This
is why it is so important for the banks to keep loaning more continuously and s
o printing more money into the economy, or else a collapse or a implosion of the
economy is imminent and just a matter of time.