Real Currencies
2018-01-04 ·

One reason why we have a few money lenders and landlords running the whole world, with the rest of us toiling as serfs to pay their monthly dues to them, is because we have no real inkling of how we would live without them.

And the difference is so enormous, that one shies away from speaking of it, for fear of being condemned as a foolish Utopian.

But here are a few characteristics of a Usury free society with a liberated Commons and current technological levels.

  • A man would work a maximum of fifteen weeks per year to provide for his wife and children.
  • Self Employment and Small Business would be the norm. Wages would be for the young and the simple.
  • Men and women would see stress levels decline dramatically. They would spend far more time with each other, their children, their families, and their friends.
  • By far most people would live a very comfortable middle class existence. There would still be a few rich people, but they would be much less rich, and not able to dominate society because of their wealth.
  • Building would see costs decline by 80 to 90% (!). An architectural revival and boom of uncanny proportions can be expected.
  • Every man and his family would have access to decent land and living and working space at very low cost. By far most people would own some land, but vast landholdings would no longer exist, because there would be no renting.
  • Food production would be heavily decentralized, and many families would grow at least some food themselves. Food quality would improve incredibly.
  • Poverty would be out of the question. There would still be differences in class, but they would be more about genetics and education and not about wealth. But there would be no disenfranchized underclass, and only the most problematic people would be unable to join the general well being. The barbarization of the poor would end, and a great emancipation of those now oppressed by Usury and wage slavery will result.
  • There would be no Big Pharma (owned by the Banks) to war on Natural Health. Combined with low stress and excellent nutrition, health, both physical an psychological, and longevity would grow substantially. Substance abuse would decline.
  • There would be no Trillions for the Plutocrats to fund all these problems aimed at distracting us and centralizing power. No Migration, no Climate Change, no Bankers orchestrating many enormous wars. There would be no funding for endless fake news, bogus ‘science’, devious ideologies aimed at dividing people.
  • Families and local communities will have plenty of funding for their own needs, though.
  • General corruption levels would decline immensely.
  • Urbanization would decline and the country side would be repopulated, as abundant money would revive local economies, and there would be no Plutocratic land holdings keeping people out.
  • There would be still inequality, but based on merit, and added value, not on property. Hard work and achievement would be rewarded. Wealth inequality levels would be far lower, though. What is more, money will no longer be the main driver of status. Aristocracy will be based on service. On spiritual and intellectual excellence, not on the acquisition of treasure.
  • The State could decline very seriously in scope and impact, returning to its basic jobs of providing a basic legal system and defense, not endless nannying and other massive overreaches. Although this remains an important issue in itself. National Socialism, for instance, created a massive totalitarian State supposedly to ‘fight unearned income’ and ‘provide for the citizenry’. But the real aim and focus of economic decentralization is to promote autonomy and economic independence for the common man. This is the core issue. When this goal is achieved, nobody will need a big State to depend on.

The list could grow very long, but the idea is clear.

This is what is at stake, and this is what they have stolen from us. This is how we would live, without Usury, without the landowners, without the speculators. Without the parasites who add nothing, and have everything. Without their silly ‘making money with money’ schemes, which have no other purpose than exploiting the toil of the masses, aka Capitalism.

Note that for all this no ideology is needed. Just the acceptance of reality: that money does not grow automatically in a bank account, and that only labor creates wealth.

That we all need a fair deal.

A man produces easily enough for at least five people to live well. This is the reality. We have the duty to ourselves to claim this production for ourselves, and our loved ones.

To say “No” to Slavery, and “Yes” to what basically amounts to the ‘Promised Land’.

Real Currencies


Helmut Creutz’ research, later popularized by Margrit Kennedy shows that:
a) the 80% poorest people pay more interest than they receive
b) the 20 to 10% richest people lose as much to Usury as they receive (no net loss/gain)
c) all the net gains of Usury are with the richest 10%.

The poorer you are, the larger the percentage of your income that you lose to Usury. The richer you are, the more you will gain from Usury.

These findings are not surprising: it’s basically Pareto, 80/20.

Here’s a good, short presentation of Jordan Peterson on Pareto.

There is not much more information available about where the Usury all ends up. Reseach into the matter has been limited, and seriously complicated by all the dummy corporations and Special Purpose Vehicles, and agents the Plutocracy uses as fronts in the market.

I’m also pretty sure it’s bad for one’s health, to be too aggressive in finding out who are the main bondholders and depositors etc.

There are only two histories of the Rothschild family that I’m aware of, both authorized by the clan. Considering their enormous impact on world affairs, this is really strange, but I’m guessing people are simply not ready get caught sniffing in ‘their’ affairs. People have disappeared for a lot less.

However, Pareto is really a relevant and useful rule that we can use to establish the distribution of Usury’s ill gotten gains.

Pareto predicts that of the 10% that gain from Usury, 80% of that money will end up with the richest 20% (of the 10%).

This means that 80% of the Usury ends up with the richest 2%.

And of this 80% of the Usury will end up with the richest 20% of the 2%: 64% of all Usury will end up with the richest 0,4%.

And again: 80% of this 64% will end up with 20% of the 0,4% richest: 51% of all Usury ends up with the richest 0,08%. (!).

And again: 80% of this 51% of all Usury will end up with 20% of the richest 0,08%: 41% of all Usury ends up with the richest 0,016%.

And again: 80% of this 41% of all Usury ends up with the richest 20% of the richest 0,016%: 33% of all Usury ends up with the richest 0,0032%.

Per year we pay about 11 Trillion in Usury to the Banks worldwide.

All this money ends up with the richest 10% of 7 billion = 700 million people.

80% of 11 Trillion = 8,8 Trillion ends up with the richest 2%, 140 million people.

80% of 8,8 Trillion = 7,04 Trillion ends up with the richest 0,4%, 28 million people.

80% of 7,04 Trillion = 5,6 Trillion ends up with the richest 0,08% = 5,6 million people.

80% of 5,6 Trillion = 4,5 Trillion ends up with the richest 0,016%, 1,12 million people.

80% of 4,5 Trillion = 3,6 Trillion ends up with the richest 0,0032%, about 240 thousand people worldwide.

And we could continue, but this is enough for the time being.

11 Trillion per year goes to the richest 10%, 3,6 Trillion ends up with the richest 0,0032%.

The same is true of all unearned income: Landlordism, the Stock Exchange and other speculative markets, will show the same distribution.

And this is only one reason why Usury and all unearned income is simply completely unsustainable, and why a few people own and control almost everything.


  • The Free Market Leads  INEVITABLY to Extreme Concentration of Wealth.
  • Be sure one does not have the tail wagging the dog.
  • Fundamentally, interest usury is just slavery with extra steps.
  • MONEY is the lifeblood of civilization and USURY is the poison that kills it just like vaccination poisons human blood!
  • Usury is condemned in the Bible. Usury was condemned among pagan nations and usury was condemned by the early church.
  • The word ‘interest’ is used as a replacement for the word usury.

The moneychangers hate the word ‘usury’ and have attempted to drive it out of the dictionary. They have replaced it with a modern definition:

  1. The practice of lending money and charging the borrower interest, especially at an exorbitant or illegally high rate.
  2. An excessive or illegally high rate of interest charged on borrowed money.
  3. Archaic or obsolete. Interest charged or paid on a loan.

A key text in the debate on Usury is the Canon XVII of the First Ecumenical Council of Nicea in AD 325, which reads:

“Since many clergyman have been induced by greed and avarice to forget the sacred text, “who does not put out his money at interest”, and to charge one per cent a month on loans, this holy and great synod judges that if any are found after this decision to receive interest by contract or to transact the business in any other way or to charge a rate of fifty per cent or in general to devise any other contrivance for the sake of dishonourable gain, they shall be deposed from the clergy and their names struck from the roll.”

Thus, the Church thinking at the time was to allow a limited Usury of about 12.7% per annum. Mohamed was a businessman and realised that businesses needed money before they could make money. He realised that limited usury was needed to maintain an economy. Thus usury was allowed for business purposes. The conundrum is that the usury creates more debt than money to repay the debt. Here is the graph for world money and world debt.

World Debt and Money by Andy Chalkley

Worldwide, there is more debt than there is money. I usually tell the story this way:

“If you and I own all the gold in the world and you and I lend out all the gold, at the end of the year, they owe us gold plus ten percent. How can they repay us the gold?
We gradually take all their assets!”

However, we can live with the debt. Even China, which has changed from a nation of impoverished people to a world economic marvel within my lifetime has a massive debt issue:

China Debt and Money by Andy Chalkley

China’s little secret is that the government debt is owed to the government. This is accomplished by the government creating a bank owned by the government which is commonly called a “Public Bank”, otherwise known as a ‘people’s bank’.

We can live with debt, but we cannot live with economic collapse. We cannot live a civilized life without a means of exchange. The means of exchange collapses under collapse of authority which is usually the government. However, sometimes this is done purposely by the elite to impose a system with even tighter control over the people. So a ruling elite, who may be those that pull the strings of a puppet government, may foment an uprising to depose a legitimate government using ‘do-gooders’ from society who revolt with good intention, but who subsequently get usurped and beheaded as the ruling elite consolidate power under the new replacement government. Such was the situation in the revolutions of the last few hundred years. ‘The Nameless War’ by Archibald Ramsey is a good run through of the procedure.

The bibles have plenty to say on the subject – even though they are somewhat out of tune with modern commerce. What is clear is that they were not blind to the topic as most are today. Proverbs 22:7 rants:

“Just as the rich rule the poor, so the borrower is servant to the lender.”

For this is the way of the world – or rather the way of civilization.  Proverbs 18:23 sympathizes with:

“The poor plead for mercy, but the rich answer harshly.”

The irony of this message is strongly expressed by a man called Siracides in Ecclus. 13:3:

“The rich man hath done wrong, and yet he threateneth withal: the poor is wronged, and he must intreat also.”

The rich man has not only does wrong, but adds to the injury with harsh language and abuse, as if he were the sufferer. The indebted man, unable to pay due to the unpayable debts created by usury, has humbly asked for pardon, as if the poor man was in the wrong. Jesus had a word for this type of person along the lines of “You are hard of heart.” Poverty tells men they must not order or demand. Not understanding the horrific implications of usury emboldens the rich to take advantage of the poor and weak. “and the creditor is come to take unto him my two sons to be bondmen…” shouts ‘Kings 2 4:1,2’. The daughters were taken as sex toys. It continues today as the enter prositution to pay debts.

The current generations have conned by banks, government, and universities to take out excessive debt in the form of caro loans, credit cards, and student debt. Millions of them land on websites where they seek ‘Sugar Daddies’ to pay off their debt — which is a soft term for protsitution. Large numbers of endebted students prop up the ple dancing and prostituton industries. One website alone reports that some 2.5 million college students have arrived in desperation. Their dream of ‘success’ leads them to prostitution. In total, Americans alone owe more than $1.3 trillion in student loan debt to federal government agencies and private lenders. reports:

“Traffickers often burden victims with excessive “debt” to trap them in bondage and exploit them for sex or labor. In the context of trafficking in women, debt bondage usually occurs when traffickers force women into prostitution to pay off ‘unlawful ‘debt’ purportedly incurred through [the women’s] transportation, recruitment, or even their crude ‘sale.’ ’ ”

As an excuse for their practice of usury, the moneychangers claim that usury, renamed as ‘interest’ is a necessary component of a successful economy. This is entirely untrue. The economy is unlocked by creating a Public Bank lending credit for worthwhile projects. The nation of King Solomon became the wealthiest nation in the biblical times by forbidding usury as witnessed by this difficult to interpret comment at I Kings 10:23-27:

“So king Solomon exceeded ALL the kings of the earth for riches and for wisdom….The king made silver as common in Jerusalem as stones….”

Silver was real money at the time. He made money available. Today, we would consider a gradually rising money supply with an unchanged velocity to bring a prosperous society. We don’t see this much as we live under a constant semi-recession condition where money is drained from fruitful transactions by government whilst the well off have free reign to remove money from circulation and hoard it. Never forget that money is a freely created commodity. It costs nothing to create money. It flows out of a printing press. It is the movement of money that creates wealth. Oversupply is a problem. Under-supply is a problem. Hoarding is a problem. Movement is a benefit.

David Harvey joins the debate with:

“The main substantive achievement of neoliberalization, however, has been to redistribute, rather than to generate, wealth and income…. This was achieved under the rubric of ‘accumulation by dispossession’. These include the commodification and privatization of land and the forceful expulsion of peasant populations; conversion of various forms of property rights (common, collective, state, etc.) into exclusive private property rights; suppression of rights to the commons; commodification of labour power and the suppression of alternative forms of production and consumption; colonial, neocolonial, and imperial processes of appropriation of assets; monetization of exchange and taxation, particularly of land; the slave trade (which continues particularly in the sex industry); and usury, the national debt and, most devastating of all, the use of the credit system as a radical means of accumulation by dispossession.”

The Neocons are at it still!