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Money: What You Are Purposely Not Told
August 14, 2025|Banking Crisis, CBDC, De-Risking, Financial Industrial Complex, Geopolitics, Great Financial Confiscation, Money, Opinion, Precious Metals / Gold,
Sovereignty, The Great Reset
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Disclaimer: This article represents an opinion based on publicly available information and analysis. It is intended for educational purposes and to encourage informed discussion.
By Peter J. Merrick, TEP
and Adrian C. Spitters, CFP
Co-authors of the international bestseller In It Starts With Gold
And The Forthcoming: The Last Asset Standing
(January 2026)
How money is created, assets are taken, and lives are quietly controlled
We want to speak to you directly about money... how it is created, how it is used to take assets from ordinary people, and how it is used to quietly control lives. This is not something you were ever taught in school, and that is by design. If you do not understand how money is created and controlled, you are living in a trap that has been built to make you lose no matter how hard you work. You have been kept in the dark about this on purpose. When you know the truth, you can protect yourself, say no, and begin making the changes to step outside of this system that was designed to take from you and keep you dependent.
The global financial system is not simply reacting to supply and demand. It is directed by a small, unelected group of individuals who control the most powerful financial institutions in the world. These include the privately owned central banks, the International Monetary Fund (IMF), the World Bank, the Society for Worldwide Interbank Financial Telecommunication (SWIFT), and the Bank for International Settlements (BIS) in Basel, Switzerland. Alongside their political allies, they have the power to create economic booms and busts at will, moving wealth from millions of people into the hands of a very few.
How Money is Really Created
Most people believe their government prints the money they use. This is not true. Almost all money is created as credit by private banks. This credit is not backed by gold, silver, or any tangible asset. It exists as numbers in a computer system.
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When a bank issues a loan, it creates that money electronically and charges interest on it. In return, you pledge something real, your home, your land, or your business. If you cannot repay the loan, the bank takes the asset. This means they exchange something intangible for something tangible.
If an ordinary person tried to create fake money and exchange it for something real, they would be arrested. Banks are allowed to do it every day.
The Cycle of the Financial Boom and Financial Bust
When banks and their network decide to create more credit, money flows easily. Businesses expand, people spend more, and stock markets climb. This is the financial boom. It feels good, but it is built on temporary conditions.
Then, at a time of their choosing, they make credit harder to get. Interest rates rise, lending stops, and businesses begin to fail. People lose jobs, homes go into foreclosure, and assets are sold at low prices. This is the financial bust.
During the bust, the same people who created the easy credit use their cash to buy those assets for far less than they are worth. This cycle has repeated for generations.
The Illusion of Political Opposition
In the United States, both the Republican and Democratic parties operate within boundaries set by the same financial powers. The same is true in the United Kingdom, the European Union, Australia, Canada, and other Western allies. Politicians will argue over cultural and social issues, but none will challenge who controls the creation of money. The same network that controls the banks funds their campaigns and shapes their policies.
Elections give the appearance of choice. The system of control over money remains in place regardless of who is in office.
Why This Should Matter to You
Freedom is the ability to make choices. In today’s world, those choices are tied to money. If someone else controls your access to money, they control your choices and your freedom.
The people who control money can make credit easy to encourage spending, then make it scarce to force asset sales. Any country connected to the U.S. dollar, including the United Kingdom, Australia, and Canada, is pulled into the same pattern because their financial systems are tied together through SWIFT and guided by policies from the IMF and BIS.
If you do not understand this system, you cannot defend yourself from it. Not knowing leaves you vulnerable to losing your property, your savings, and your ability to decide your own future.
Equality of Opportunity, Not Equal Outcomes
A fair system does not mean everyone ends up in the same position. That would destroy motivation and innovation. A fair system means everyone starts with the same chance.
Today’s system denies this by putting control of credit in the hands of a small group. Real reform would mean governments creating their own money interest-free and lending it for productive purposes. This is not communism. This is restoring control of money to the people’s elected government.
The Small Circle in Control
The number of people making these decisions is not large. They could meet in one room. They benefit from every cycle of boom and bust. For them, an economic crash is a time to buy valuable assets from those who have no choice but to sell.
Fixing the Cause, Not the Symptoms
Most solutions you hear address only the symptoms. Sending out short-term payments or lowering interest rates for a while does not change who creates money. The only real solution is to remove private control over the creation of money. When the cause is removed, the problem ends.
Why This Affects the U.S. and Western Allies
When the U.S. Federal Reserve increases or reduces credit, the effects are felt immediately in the United Kingdom, the European Union, Australia, and Canada. Tight credit in the U.S. means less investment in these countries. A strong U.S. dollar makes debts harder to pay in other nations. This is a global system, and no one tied to it can escape its effects.
Protecting Yourself Now
Until governments take back control of money creation, the safest path for individuals is to own assets that no one else can devalue or cancel. Gold and silver have held value for thousands of years through every currency collapse. They are not promises from a bank or a government. They cannot be created out of nothing.
Every paper currency in history has failed. Gold and silver have survived everyone.
System-Level Solutions
True reform would mean ending private control of credit creation and returning that power to governments. This would allow infrastructure to be built without crushing debt, give small businesses fair access to loans, and take control away from private financial networks.
Individual-Level Solutions
At our firm, we assist clients in structuring wealth by Owning Assets in Order of Asset Security. We start with the safest assets and work down to those most at risk. The goal is to survive and thrive in both inflation and deflation without being destroyed by the boom-and-bust cycle.
Book your complimentary review to learn how to structure for the shifts ahead.
Final Thoughts
The urgent themes discussed here are expanded in our #1 international best-selling book, It Starts With Gold
, co-authored by Peter J. Merrick and Adrian C. Spitters. In the book, we explain how the unelected owners of the Financial Industrial Complex use the cycle of boom and bust to strip wealth from the many and consolidate it into the hands of the few and how you can prepare to operate outside of that system. Visit www.ItStartsWithGold.com.
The cycle will not end on its own. History shows that those who take control of their own assets can protect their freedom, preserve their wealth, and create opportunities no banker can take away. If you understand this system, you can defend yourself. If you ignore it, you are leaving yourself in a system designed to keep you there.
This article represents an opinion based on publicly available information and analysis. It is intended for informational purposes only.
To find out more, order your copy of It Starts With Gold
from Amazon today. CLICK HERE
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References
- Bank for International Settlements – About BIS
- International Monetary Fund – About the IMF
- World Bank – About the World Bank
- SWIFT – About SWIFT
- European Central Bank – Monetary Policy Decisions
- Federal Reserve – Credit and Liquidity Programs
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