In this episode of the Excellent Monetary System (EMS) podcast, we dive deep into one of the core mechanisms of our modern economic world: the People and Companies Banking System. Although it underpins almost every financial transaction for individuals and businesses, its functioning and consequences are widely misunderstood.

We reveal how commercial banks create money through debt — not through real value — and explain why this system never produces real, additional money. Instead, it guarantees a vicious cycle of borrowing, repayment, and rising inequality. As long as this model remains, economic collapse is not a risk — it is inevitable.

This episode exposes how debt-based money creation leads to widespread financial strain, growing societal inequality, and structural injustices like the housing crisis. And more importantly, it presents the solution: the Excellent Monetary System — a life-centered, healing-based monetary model that breaks with debt-dependency and accounting logic.

🔹 Key insights from this episode:

Commercial banks create money solely through debt.

No real, net-positive money creation exists in the current system.

Debt-based money creation leads to infinite financial pressure and collapse.

Inequality and social exclusion are structurally built into this model.

The only real solution is a new system: the Excellent Monetary System.

Listen in to understand how this debt-based model affects your life, your income, and your future — and why now is the time to demand a system that serves people, not balances.