Most Americans have no idea how the Federal Reserve functions, nor do they realize that it is the primary force behind the economic decline we are all experiencing. The Fed is not a government agency—it is a privately controlled banking cartel with an iron grip on the U.S. financial system. It creates money out of thin air, loans it at interest, and ensures that the national debt, and by extension, the debt of every American, will never be repaid.
When politicians argue over spending bills and tax cuts, they are performing a puppet show designed to distract the public. The real power lies with the Federal Reserve, an institution that operates behind closed doors, beyond the reach of democratic accountability. Its policies have eroded the value of the dollar, fueled economic inequality, and pushed the nation into an endless cycle of boom-and-bust crises.
If you truly want to understand why the economy is in freefall, you must start by understanding the Federal Reserve. Below are 19 reasons why the Federal Reserve is at the heart of our economic destruction.
The system is designed so that every new dollar created requires more debt. But here’s the catch: the money to pay off that debt doesn’t exist until even more debt is created. This is a Ponzi scheme on a scale never before seen in human history. The U.S. is now burdened with over $36 trillion in government debt and a mind-blowing $102 trillion in total societal debt—figures that are mathematically impossible to repay.
This system was never meant to be sustainable—it was built to ensure that the elite financial class remains in control while the rest of us are forced to work harder for money that constantly loses value.
You, as an ordinary citizen, are not allowed to create money. The federal government, which is supposed to be the entity controlling monetary policy under the Constitution, is not allowed to create money.
Instead, this power has been handed over to the Federal Reserve and the banking cartel it represents. Your so-called “dollar” isn’t even real money—it’s a "Federal Reserve Note", which is nothing more than an instrument of debt.
The U.S. Constitution explicitly grants Congress the power to create money. But instead of issuing debt-free currency, Congress sold out to the bankers in 1913 when it created the Federal Reserve. That decision condemned future generations to permanent financial enslavement.
The Federal Reserve is not part of the federal government. It has admitted this in court multiple times, including when it successfully argued against being subject to the Freedom of Information Act—a law that applies to government agencies.
If the Federal Reserve isn’t part of the government, then who owns it? The answer: private banks. The Federal Reserve Bank of St. Louis openly states that member banks hold stock in the Federal Reserve and earn dividends—meaning the people controlling our monetary policy are the same banking institutions that profit from our debt.
The government is addicted to debt. And just like a drug dealer, the Federal Reserve keeps feeding the addiction.
In 2025, the U.S. government will spend over $1 trillion just on interest payments—money that goes straight into the pockets of wealthy bankers and foreign investors. That’s more than the government spends on national defense.
Inflation is not a mystery—it is a direct result of the Federal Reserve’s reckless money printing. The U.S. dollar has lost 99% of its value since the Fed was created in 1913.
That means your savings, your paycheck, and your retirement fund are being devalued every single day. The Fed wants you to believe that a “target inflation rate” of 2% is normal—but even 2% inflation means your money loses half its value every 36 years.
Now, thanks to the Fed’s policies, we are in the midst of a cost-of-living crisis that has no end in sight.
When the Fed cuts interest rates, it allows the biggest financial institutions to borrow money at near-zero cost—which they then use to inflate the stock market, buy up real estate, and drive up prices for the rest of us.
Then, when inflation gets out of control (as it always does), the Fed hikes interest rates, making it impossible for small businesses and middle-class Americans to afford loans.
During the 2008 financial crisis, the Federal Reserve printed trillions of dollars to bail out the very banks that caused the collapse.
Meanwhile, millions of Americans lost their homes, their jobs, and their life savings. Not a single high-level banker went to jail. Instead, they got bonuses.
The American people do not need the Federal Reserve. If the government had been issuing debt-free money all along, we would not have a national debt crisis. We would not have an inflation crisis. We would not be facing economic collapse.
Until these changes happen, America will continue on its path toward financial disaster. The Federal Reserve is not the solution to our economic problems—it is the cause of them.
The time to act is now.
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