Do you also keep asking yourself the same question: why do ordinary citizens have less and less money at their disposal,
while the amount of money possessed by a few super-rich people and, in particular,
certain family dynasties is rapidly increasing?
Today, we are going to get to the bottom of this development with you:
Banks are highly respected today and the independence of central banks from the economy is repeatedly
presented as an important requirement for financial stability.
This is probably primarily because bankers are assumed to have a high level of economic expertise.
Prof. Richard Werner, who experienced the banking crisis of the 1990s as a scholarship holder at Deutsche Bank in Tokyo and had
the opportunity to speak personally with many of the key players, has undoubtedly also
acquired special expertise in the banking sector.
He analyzed the processes in detail and wrote a book about them, which became a bestseller in Japan and
even toppled Harry Potter from the number one position.
He later spent many years as a member of the Shadow Council of the European Central Bank
(ECB), a panel of experts moderated by Handelsblatt.
He has written several books and gave an interview in August 2025 in which he points out that independent central banks often do
not contribute to stability, which ought to be their main task.
Rather, they deliberately create and burst asset bubbles, which has led to the longest
and most serious economic crises in history.
All this is possible because of the banks' ability to create money.
But what are the effects of this money creation?
Why does it result in ordinary citizens having less and less money at their disposal?
In order to clarify these questions, the credit system, its origins and the role of central banks
in this fraudulent system will be examined below.
1. The credit business is the basis for the creation of money
At the heart of the banking business is the issuing of loans against interest.
This is based on the assumption that banks pass on customer deposits to other customers as loans.
Incredibly, however, banks can pass the same amount on to other customers as loans again and again.
With a required minimum reserve of 1%, this means that each euro can be lent up to 99 times in order to collect interest.
The bank's balance sheet then presents it as if all 99 borrowers had deposited this amount with
the bank, even though they never made a deposit.
Strictly speaking, this is a falsification of business documents and it is inconceivable that governments would simply ignore it.
In this way, it is tacitly tolerated that the banks abuse their position of trust as
administrators of the economy's accounting system.
If you compare the balance sheet before and after, it becomes clear that the money supply has only increased by a
factor of 100 as a result of these credit transactions.
Any commercial bank can create money in this way, it just has to comply with the central
bank's rules on minimum reserves and capital ratios.
In earlier times, alchemists - the so-called chemists of the Middle Ages - wanted to create gold out of nothing.
The banks have succeeded in doing this, so to speak, not with gold, but with money.
See also the Kla.TV broadcast: Bekenntnis einer Bank: Wir schöpfen Geld aus dem Nichts. .
That's why our monetary system is called "fiat money" - it's Latin and means: Let there be money!
2. How did the lending business historically develop?
Owning gold was dangerous, so people have always looked for ways to keep it safe.
In earlier times, this was done by goldsmiths.
From this help, they developed the credit business, which Prof. Werner describes as follows:
"Goldsmiths were experienced in handling precious metals and not only had considerable amounts in stock , but also safes
and trained security forces - sometimes even small private armies - to ensure the protection of their possessions .
As a result, the population increasingly turned to the goldsmiths' vaults as a safe place to
store their jewels, precious metals and coins .
When gold was deposited with a goldsmith, he issued a receipt and it was not long before the depositors started using
the proof of their deposited assets as a means of payment:
In order to purchase something, they left the certificate of deposit with the seller, for
example, signed on the back and transferred to him .
To facilitate cashless transactions on such a basis, certificates of deposit which no longer bore the
name of the original depositor were increasingly used."
The goldsmiths had thus created European paper money.
"To the extent that the certificates of deposit assumed the character of a general means of
payment, withdrawal of the deposited gold became rarer.
Large quantities of gold therefore lay unused in the goldsmiths' vaults.
This opened up a new business opportunity for them:
They could lend the gold and charge interest on it.
However, it was not advisable for the goldsmiths to lend out too much of the gold they kept.
But they found a way in which they could extend their loan business:
Instead of gold, they only had to give their debtors certificates of deposit, , which could be used as paper money .
In fact, the debtor only received a piece of paper, although he had to pay his debts
and the compound interest with "real" money .
From a strictly legal point of view, the certificates of deposit were therefore nothing more than forged
documents representing false facts , that means fraud.
For the goldsmiths, who thus virtually became bankers, the interest income was a net profit
for which they did not have to work very hard.
All they had to do was to ensure that they were provided with sufficient security, such as titles to land and other
property, and that they were prepared to enforce their claims."
The higher their appetite for risk, the more of the gold entrusted to them they lent out.
It was only important to keep these business practices secret so that not many of their customers would want their gold
back at the same time and the fraud would then become obvious.
However, they could not hide the consequences of their actions, as it led to them accumulating more and more
wealth, while the population gradually became impoverished.
The famous economist William Cunningham (1849-1919), for example, compared the activities of these private bankers
in England to a sponge that absorbed all the country's wealth and hindered any economic development.
As this naturally led to envy and resentment, the bankers needed an official institutional framework
to legalize their business and give them protection.
They managed to achieve this by founding the Bank of England in 1694.
At that time, King William III of England ceded the royal prerogative to issue the
currency to a consortium of private bankers.
In return, they were to provide him with unlimited credit for his wars.
This was virtually the birth of private central banks and the modern banking and interest fraud system,
which has flourished to this day, hidden under this official cover, and has spread out worldwide.
3. Central banks - Multiplication of money on a grand scale
While commercial banks create new money by granting loans, central banks multiply money on a grand scale.
This is done by buying securities - such as shares and government bonds - with money that they are allowed to
create practically without limit at the touch of a button.
Government bonds are promissory notes that oblige the state to make annual interest payments and
repay the amount concerned on the maturity date.
For example, in the period from March 2015 to the end of 2018 alone, the European Central Bank (ECB) bought around 2.1 trillion
euros worth of government bonds from euro area countries.
During the coronavirus crisis, it then launched the so-called PEPP coronavirus purchase program with a volume
of 1.35 trillion euros to buy up government bonds from the euro area countries in particular.
Most recently, the US central bank, the Fed, announced in December 2025 that it would launch a bond purchase program to
buy up 40 billion USD worth of US government bonds per month.
If these vast sums of money, which were created out of nothing, enter the economic cycle, they fuel inflation.
Because the fact that there is more money available, but not more supply, simply makes everything more expensive.
So you have to pay more for the same goods.
As a result, citizens' assets are literally being burned.
4. Compound interest creates immeasurable debt
As banks generally charge compound interest, the amounts owed grow exponentially, without any further costs for the banks.
After all, they do not have to provide any additional goods or services.
In the long term, as is generally the case with government debt, for example, the amounts owed reach unimaginable proportions.
For example, a loan of €100,000 at 8% annual interest grows to over €215,000 over ten years without repayment, after 20
years it is already €466,000 and after 50 years it is an incredible €4.69 million in debt that has to be repaid.
The following example illustrates the incredible wealth that banks can build up by constantly granting loans over centuries:
For just 1 kg of gold lent at 8% interest for 250 years, a repayment is owed at the end that is higher
than the total amount of gold mined worldwide by the end of 2024, which is 216,265 tons.
And the Bank of England has been in business since 1694, that is, for over 330 years.
5. Central banks protect themselves from any state jurisdiction.
In order to protect themselves from legal action in this huge fraud scheme, the central banks have taken
the precaution of protecting themselves to the maximum.
This can be seen very clearly at the Bank of England in the City of London, the Bank for International Settlements in
Basel and the European Central Bank in Frankfurt am Main.
Their properties do not belong to the surrounding state, they are extraterritorial and
therefore not subject to state jurisdiction.
The power potential of these banks cannot be shown any more clearly.
They have thus ensured that no one can hold them accountable.
In order to be able to properly classify this inconceivably privileged position, however, it is important to focus
not on the banks directly, but on the bankers behind them.
As revealed in the broadcasts "The Rothschild Conspiracy" Part 1 and Part 2, the global financial and banking system
was set up by some powerful freemason banking families, such as the Rothschilds, Rockefellers or Warburgs.
They are also the ones who still control this huge fraudulent system to this day and
are using it to plunder the global population.
Since they are obviously aware of this enormous crime, they have also done everything to ensure
that they can never be held accountable for it.
They are also the ones who, in the background, have long been doing everything in their power and enormous influence
to conceal the mechanism of money creation from the public.
For example, according to Prof. Werner, money creation has not been properly treated in economics textbooks to this
day and has not been described in even a single formula.
And this despite the fact that it is essential for calculating the money supply.
In economic literature, banks are treated as if they were merely passing on the savings of some to others.
But this approach is fundamentally wrong - as explained in detail.
There were always authors who recognized the process of money creation and wrote briefly about it.
But this knowledge has not yet found its way into the textbooks used at universities.
This was certainly done for good reason, because as the automobile tycoon Henry Ford said: "If people understood the monetary
system, we would have a revolution before tomorrow morning."
Conclusion: The fact that so far very few people have seen through this fraudulent money system and that it
is not covered in textbooks shows how successful these banksters have been in hiding its true nature.
The fact is disguised that inflation is fueled by the creation of money without the
simultaneous creation of a real equivalent value.
For there is now more money available.
So people want to buy more with this money.
However, since the quantity of material assets, services etc. has not increased, the higher quantity of
money is simply distributed among the existing assets.
This means that prices are increased and everything becomes more and more expensive.
For example, in Germany, the price of a kilogram of bread alone has more than doubled since the introduction of the euro in 2002.
When the D-Mark was introduced in 1948, the average price was just 41 pfennigs, which is equivalent to around 20 cents today.
Of course, the costs of interest and compound interest as well as the rising burden of tax and charges, which
make all products even more expensive, have also contributed to this huge price increase.
As this system of monetary fraud means that the state's expenditure to pay off its debts is increasing all the
time, it has to increase taxes and charges accordingly.
In Germany, these rose from 33.4 % to 41.8 % of gross domestic product between 1960 and 2025.
This means that the value of all goods and services produced in Germany is burdened
with taxes and charges amounting to almost 42%.
All in all, this development has led to the euro losing almost 40% of its purchasing power since 2000 alone.
The loss of purchasing power is greatest in relation to real estate, as its prices have risen disproportionately.
The result is that fewer and fewer people can afford to buy their own home or have to work
almost their entire lives to pay off their debts.
In his book "The History of Central Banking and the Enslavement of Humanity", the former director of the South African Reserve
Bank, Stephen Mitford Goodson, provides very well-founded evidence that these developments are a direct consequence
of the central banking and fraudulent interest system.
Consequently, according to Goodson, this leads to total impoverishment and ultimately to the enslavement of humanity.
In order to stop this disastrous development, it is now important to repeatedly raise important issues in public:
Why has the principle of money creation been so successfully concealed from the public and not taught in economics?
Is this a further indication that the financial mafia has infiltrated all areas of life, such as education and science?
Is the inactivity of governments and the silence of the leading media in this huge fraud a sign that they
too are stooges or even part of this criminal network?
The answer to all these questions should certainly interest the entire deceived world
population and set the right course for change.
Humanity needs nothing more urgently than a new and fair financial system in which self-appointed rip-off fraudsters no
longer line their pockets, but in which money creation is once again entirely in the hands of sovereign states and
banks close to the people grant their loans interest-free.
A new era has dawned!
Just as spring ends the reign of winter, now the era of light will end the reign of darkness!
If you also want to change the world for the better, then become part of this new age!
Be the light and spread the light of this mission by disseminating it and talking about it.
But if you realize that you can no longer go it alone, then it is high time to join
forces and together be a new hope for this world!
Therefore, join our huge Kla.TV movement until all darkness has come to light and draw new hope and courage!
At https://www.kla.tv/mitwirken you have the unique opportunity to contribute directly and unproblematically to Kla.TV!
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