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Do you also keep asking yourself the same question: why do
ordinary citizens have less and less money at their disposal,

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while the amount of money possessed by a
few super-rich people and, in particular,

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certain family dynasties is rapidly increasing?

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Today, we are going to get to the
bottom of this development with you:

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Banks are highly respected today and the independence
of central banks from the economy is repeatedly

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presented as an important requirement for financial stability.

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This is probably primarily because bankers are
assumed to have a high level of economic expertise.

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Prof. Richard Werner, who experienced the banking crisis of the
1990s as a scholarship holder at Deutsche Bank in Tokyo and had

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the opportunity to speak personally with many
of the key players, has undoubtedly also

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acquired special expertise in the banking sector.

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He analyzed the processes in detail and wrote a book
about them, which became a bestseller in Japan and

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even toppled Harry Potter from the number one position.

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He later spent many years as a member of the
Shadow Council of the European Central Bank

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(ECB), a panel of experts moderated by Handelsblatt.

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He has written several books and gave an interview in August 2025
in which he points out that independent central banks often do

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not contribute to stability, which ought to be their main task.

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Rather, they deliberately create and burst
asset bubbles, which has led to the longest

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and most serious economic crises in history.

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All this is possible because of
the banks' ability to create money.

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But what are the effects of this money creation?

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Why does it result in ordinary citizens
having less and less money at their disposal?

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In order to clarify these questions, the credit
system, its origins and the role of central banks

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in this fraudulent system will be examined below.

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1. The credit business is the basis for the creation of money

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At the heart of the banking business is
the issuing of loans against interest.

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This is based on the assumption that banks pass
on customer deposits to other customers as loans.

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Incredibly, however, banks can pass the same
amount on to other customers as loans again and again.

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With a required minimum reserve of 1%, this means that each
euro can be lent up to 99 times in order to collect interest.

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The bank's balance sheet then presents it as if
all 99 borrowers had deposited this amount with

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the bank, even though they never made a deposit.

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Strictly speaking, this is a falsification of business documents
and it is inconceivable that governments would simply ignore it.

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In this way, it is tacitly tolerated that the
banks abuse their position of trust as

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administrators of the economy's accounting system.

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If you compare the balance sheet before and after, it
becomes clear that the money supply has only increased by a

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factor of 100 as a result of these credit transactions.

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Any commercial bank can create money in this
way, it just has to comply with the central

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bank's rules on minimum reserves and capital ratios.

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In earlier times, alchemists - the so-called chemists of
the Middle Ages - wanted to create gold out of nothing.

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The banks have succeeded in doing this, so
to speak, not with gold, but with money.

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See also the Kla.TV broadcast: Bekenntnis
einer Bank: Wir schöpfen Geld aus dem Nichts. .

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That's why our monetary system is called "fiat
money" - it's Latin and means: Let there be money!

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2. How did the lending business historically develop?

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Owning gold was dangerous, so people have
always looked for ways to keep it safe.

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In earlier times, this was done by goldsmiths.

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From this help, they developed the credit
business, which Prof. Werner describes as follows:

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"Goldsmiths were experienced in handling precious metals and not
only had considerable amounts in stock , but also safes

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and trained security forces - sometimes even small private
armies - to ensure the protection of their possessions .

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As a result, the population increasingly turned
to the goldsmiths' vaults as a safe place to

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store their jewels, precious metals and coins .

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When gold was deposited with a goldsmith, he issued a
receipt and it was not long before the depositors started using

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the proof of their deposited assets as a means of payment:

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In order to purchase something, they left the
certificate of deposit with the seller, for

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example, signed on the back and transferred to him .

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To facilitate cashless transactions on such a basis,
certificates of deposit which no longer bore the

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name of the original depositor were increasingly used."

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The goldsmiths had thus created European paper money.

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"To the extent that the certificates of deposit
assumed the character of a general means of

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payment, withdrawal of the deposited gold became rarer.

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Large quantities of gold therefore
lay unused in the goldsmiths' vaults.

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This opened up a new business opportunity for them:

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They could lend the gold and charge interest on it.

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However, it was not advisable for the
goldsmiths to lend out too much of the gold they kept.

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But they found a way in which they
could extend their loan business:

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Instead of gold, they only had to give their debtors
certificates of deposit, , which could be used as paper money .

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In fact, the debtor only received a piece
of paper, although he had to pay his debts

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and the compound interest with "real" money .

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From a strictly legal point of view, the certificates
of deposit were therefore nothing more than forged

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documents representing false facts , that means fraud.

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For the goldsmiths, who thus virtually became
bankers, the interest income was a net profit

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for which they did not have to work very hard.

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All they had to do was to ensure that they were provided
with sufficient security, such as titles to land and other

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property, and that they were prepared to enforce their claims."

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The higher their appetite for risk, the more
of the gold entrusted to them they lent out.

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It was only important to keep these business practices secret
so that not many of their customers would want their gold

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back at the same time and the fraud would then become obvious.

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However, they could not hide the consequences of their
actions, as it led to them accumulating more and more

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wealth, while the population gradually became impoverished.

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The famous economist William Cunningham (1849-1919), for example,
compared the activities of these private bankers

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in England to a sponge that absorbed all the
country's wealth and hindered any economic development.

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As this naturally led to envy and resentment, the
bankers needed an official institutional framework

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to legalize their business and give them protection.

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They managed to achieve this by
founding the Bank of England in 1694.

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At that time, King William III of England
ceded the royal prerogative to issue the

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currency to a consortium of private bankers.

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In return, they were to provide him
with unlimited credit for his wars.

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This was virtually the birth of private central banks and the
modern banking and interest fraud system,

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which has flourished to this day, hidden under this
official cover, and has spread out worldwide.

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3. Central banks - Multiplication of money on a grand scale

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While commercial banks create new money by granting
loans, central banks multiply money on a grand scale.

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This is done by buying securities - such as shares and
government bonds - with money that they are allowed to

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create practically without limit at the touch of a button.

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Government bonds are promissory notes that
oblige the state to make annual interest payments and

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repay the amount concerned on the maturity date.

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For example, in the period from March 2015 to the end of 2018
alone, the European Central Bank (ECB) bought around 2.1 trillion

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euros worth of government bonds from euro area countries.

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During the coronavirus crisis, it then launched the so-called
PEPP coronavirus purchase program with a volume

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of 1.35 trillion euros to buy up government
bonds from the euro area countries in particular.

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Most recently, the US central bank, the Fed, announced in
December 2025 that it would launch a bond purchase program to

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buy up 40 billion USD worth of US government bonds per month.

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If these vast sums of money, which were created out of
nothing, enter the economic cycle, they fuel inflation.

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Because the fact that there is more money available, but
not more supply, simply makes everything more expensive.

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So you have to pay more for the same goods.

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As a result, citizens' assets are literally being burned.

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4. Compound interest creates immeasurable debt

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As banks generally charge compound interest, the amounts owed
grow exponentially, without any further costs for the banks.

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After all, they do not have to
provide any additional goods or services.

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In the long term, as is generally the case with government debt,
for example, the amounts owed reach unimaginable proportions.

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For example, a loan of €100,000 at 8% annual interest grows to
over €215,000 over ten years without repayment, after 20

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years it is already €466,000 and after 50 years it is an
incredible €4.69 million in debt that has to be repaid.

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The following example illustrates the incredible wealth that
banks can build up by constantly granting loans over centuries:

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For just 1 kg of gold lent at 8% interest for 250 years, a
repayment is owed at the end that is higher

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than the total amount of gold mined
worldwide by the end of 2024, which is 216,265 tons.

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And the Bank of England has been in
business since 1694, that is, for over 330 years.

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5. Central banks protect themselves from any state jurisdiction.

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In order to protect themselves from legal action in
this huge fraud scheme, the central banks have taken

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the precaution of protecting themselves to the maximum.

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This can be seen very clearly at the Bank of England in
the City of London, the Bank for International Settlements in

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Basel and the European Central Bank in Frankfurt am Main.

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Their properties do not belong to the
surrounding state, they are extraterritorial and

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therefore not subject to state jurisdiction.

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The power potential of these banks
cannot be shown any more clearly.

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They have thus ensured that no one can hold them accountable.

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In order to be able to properly classify this inconceivably
privileged position, however, it is important to focus

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not on the banks directly, but on the bankers behind them.

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As revealed in the broadcasts "The Rothschild Conspiracy" Part 1
and Part 2, the global financial and banking system

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was set up by some powerful freemason banking
families, such as the Rothschilds, Rockefellers or Warburgs.

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They are also the ones who still control
this huge fraudulent system to this day and

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are using it to plunder the global population.

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Since they are obviously aware of this enormous
crime, they have also done everything to ensure

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that they can never be held accountable for it.

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They are also the ones who, in the background, have long
been doing everything in their power and enormous influence

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to conceal the mechanism of money creation from the public.

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For example, according to Prof. Werner, money creation
has not been properly treated in economics textbooks to this

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day and has not been described in even a single formula.

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And this despite the fact that it is
essential for calculating the money supply.

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In economic literature, banks are treated as if they
were merely passing on the savings of some to others.

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But this approach is
fundamentally wrong - as explained in detail.

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There were always authors who recognized the
process of money creation and wrote briefly about it.

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But this knowledge has not yet found its
way into the textbooks used at universities.

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This was certainly done for good reason, because as the automobile
tycoon Henry Ford said: "If people understood the monetary

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system, we would have a revolution before tomorrow morning."

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Conclusion: The fact that so far very few people have seen
through this fraudulent money system and that it

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is not covered in textbooks shows how successful
these banksters have been in hiding its true nature.

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The fact is disguised that inflation is
fueled by the creation of money without the

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simultaneous creation of a real equivalent value.

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For there is now more money available.

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So people want to buy more with this money.

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However, since the quantity of material assets,
services etc. has not increased, the higher quantity of

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money is simply distributed among the existing assets.

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This means that prices are increased and
everything becomes more and more expensive.

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For example, in Germany, the price of a kilogram of bread alone
has more than doubled since the introduction of the euro in 2002.

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When the D-Mark was introduced in 1948, the average price was
just 41 pfennigs, which is equivalent to around 20 cents today.

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Of course, the costs of interest and compound interest as well as
the rising burden of tax and charges, which

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make all products even more expensive, have
also contributed to this huge price increase.

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As this system of monetary fraud means that the state's
expenditure to pay off its debts is increasing all the

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time, it has to increase taxes and charges accordingly.

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In Germany, these rose from 33.4 % to 41.8 % of
gross domestic product between 1960 and 2025.

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This means that the value of all goods and
services produced in Germany is burdened

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with taxes and charges amounting to almost 42%.

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All in all, this development has led to the euro
losing almost 40% of its purchasing power since 2000 alone.

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The loss of purchasing power is greatest in relation to
real estate, as its prices have risen disproportionately.

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The result is that fewer and fewer people can
afford to buy their own home or have to work

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almost their entire lives to pay off their debts.

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In his book "The History of Central Banking and the Enslavement
of Humanity", the former director of the South African Reserve

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Bank, Stephen Mitford Goodson, provides very well-founded
evidence that these developments are a direct consequence

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of the central banking and fraudulent interest system.

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Consequently, according to Goodson, this leads to total
impoverishment and ultimately to the enslavement of humanity.

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In order to stop this disastrous development, it is now
important to repeatedly raise important issues in public:

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Why has the principle of money creation been so successfully
concealed from the public and not taught in economics?

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Is this a further indication that the financial mafia has
infiltrated all areas of life, such as education and science?

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Is the inactivity of governments and the silence of
the leading media in this huge fraud a sign that they

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too are stooges or even part of this criminal network?

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The answer to all these questions should
certainly interest the entire deceived world

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population and set the right course for change.

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Humanity needs nothing more urgently than a new and fair
financial system in which self-appointed rip-off fraudsters no

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longer line their pockets, but in which money creation is
once again entirely in the hands of sovereign states and

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banks close to the people grant their loans interest-free.

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A new era has dawned!

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Just as spring ends the reign of winter, now
the era of light will end the reign of darkness!

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If you also want to change the world for
the better, then become part of this new age!

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Be the light and spread the light of this
mission by disseminating it and talking about it.

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But if you realize that you can no longer go
it alone, then it is high time to join

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forces and together be a new hope for this world!

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Therefore, join our huge Kla.TV movement until all
darkness has come to light and draw new hope and courage!

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At https://www.kla.tv/mitwirken you have the unique opportunity
to contribute directly and unproblematically to Kla.TV!

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It's like the sound of sirens from afar

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It's like a bit of dawn

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Deep inside the heart it's like a guess and a longing

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The certainty: Everything will come alright some day

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It is faint rage paired with love

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It is suffering that bears change as fruit

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It is faith into the new world here and now

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A faith that sings loudly still at night, it sings of a new dawn.

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And we sense, it is our time and we stand ready

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And we sense, it is our time and we are moving forward.

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And we sense it is our time and we surf along with it

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Now the time has come where truth comes to the light of day

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Now is the time where the lies are exposed

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and those who hatch plans in the dark they are finally exposed!

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Now is the time where the people
rise As sun and moon of righteousness

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Now is the time where we grow into maturity And
everyone wakes up from their television-sleep

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Now is the time where the truth comes to light

204
00:20:40,559 --> 00:20:44,039
Now is the time where the lies are exposed

205
00:20:44,039 --> 00:20:50,920
and those who hatch plans in the dark are finally exposed!

206
00:20:50,920 --> 00:20:57,759
Now is the time where the people
rise as sun and moon of righteousness

207
00:20:57,759 --> 00:21:08,160
Now is the time where we grow into maturity and
everyone wakes up from their television-sleep

208
00:21:08,160 --> 00:21:11,640
Now is the time where truth comes to light

209
00:21:11,640 --> 00:21:15,079
Now is the time where lies are exposed

210
00:21:15,079 --> 00:21:16,480
Now!