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Banks do not lend money - they create credit as an irredeemable debt. It's the biggest racket in history.
You will also find a short story on my site called THE GIFT OF RAMU; this is an update of SALVATION ISLAND which explains the con in layman's terms, and how these parasites expropriate the real wealth of the community with worthless bits of paper.
You might also like to check out the video series WEB OF DEBT on Youtube.