Gold is Shouting: You’re Getting Screwed by the Financial Sector

The financial system, in its current state, is designed to enrich those at the top while burdening everyone else. Banks, through mechanisms like fractional reserve banking and government bond investments, profit immensely—often at the expense of ordinary people. If you feel your labor is worth less today than it was yesterday, or that saving money is like running on a hamster wheel, you’re not imagining it. The system is rigged, creating two distinct classes: those who provide goods and services to earn money, and those who profit by creating money out of thin air.

To understand this, we must break it down: What is money? How did we get here? And how do financial institutions exploit loopholes to ensure they profit no matter what?

Money and How We Got Here

Money was born out of necessity. Before currency, we relied on barter systems—trading fish for grain or spears for rope. But bartering had limitations. If you wanted apples but the apple grower didn’t need fish, you were stuck. Money emerged as a universal medium of exchange, solving this “coincidence of wants” problem.

Good money has four key characteristics: it must be durable, portable, divisible, and a reliable store of value. Early societies experimented with grain or cattle as currency, but these had obvious flaws—grain rots, and cattle die. Precious metals like gold and silver became ideal. They were durable, portable, and universally valued for their rarity and beauty.

The Pivot to Paper Money

To make trade and storage safer, banks issued paper receipts representing gold or silver stored in their vaults. These receipts were as good as the metal itself—you could exchange them for gold or silver on demand. The system relied on trust, and for a time, it worked.

Then banks made a game-changing discovery: most people didn’t redeem their receipts for gold. Why not issue more receipts than the gold they held? This was the birth of fractional reserve banking, a practice that opened the door to financial manipulation.

The Fiat Money Era

By the 20th century, the gold standard began to erode. In 1933, U.S. citizens could no longer redeem paper money for gold. By 1971, even foreign nations lost that right. We entered the era of fiat currency—money backed by nothing but government decree.

This shift seems harmless on the surface, but it allowed banks and governments to expand the money supply exponentially, devaluing everyone’s labor. In essence, it’s legalized counterfeiting, complete with government-funded bailouts at taxpayers’ expense.

The Banking System Today

Here’s how the scam works. When you deposit your hard-earned money into a bank, it doesn’t sit idle. Banks lend it out, earning interest on those loans, while keeping only a fraction—sometimes as little as 3%—of your deposit in reserve. Worse, banks create new money when they issue loans. Borrowers deposit that money elsewhere, and banks lend it out again, collecting fees and interest with each cycle. Depositors earn minimal interest, if any, while paying transaction fees.

The system doesn’t stop there. Governments, living beyond their means, issue bonds to fund deficits. Banks eagerly buy these bonds, using them as “assets” to justify creating even more money. The bonds pay significant interest—funded by taxpayers. This is wealth transfer in action: from the working class to the financial elite, who wield the power to create money and collect taxes in the process.

Why the System Is Broken

This system disproportionately rewards the wealthy while eroding the livelihoods of ordinary people.

Inflation Erosion When governments print money excessively—often to fund wars, bailouts, or crises—the value of your money shrinks. Prices for goods and services rise, but wages lag behind. Inflation silently steals from savers. Meanwhile, the wealthy, with investments in assets like stocks and real estate, often see their wealth grow.

The Debt Burden The middle and lower classes increasingly rely on loans for essentials like education, housing, and vehicles. The interest on these loans—created from nothing—enriches the financial elite. Debt becomes a trap, forcing people to work harder just to stay afloat. The poor pay interest; the rich collect it.

A Visual Metaphor

Imagine a small island where tokens represent hours of work. Islanders trade tokens for goods and services. One day, someone becomes the “banker,” offering to store tokens safely for a fee while lending tokens to fund ventures. Initially, the system works.

But then the banker realizes they can create tokens out of thin air and lend them at interest. They amass wealth, buying the best food, shelter, and luxuries. Laborers, confused about why they’re working harder yet falling behind, eventually uncover the scheme. On a small island, outrage would erupt. Yet globally, we tolerate this system because its complexity and jargon conceal the theft.

Time to Demand Better

The financial system thrives on opacity, preying on public ignorance. But here’s the truth: banks are the wealthiest institutions not because they create value, but because they exploit a system that lets them generate money without meaningful work.

Understanding this is the first step. The next is demanding change:

• Governments must be held accountable for reckless money printing.
• Banking systems need stricter oversight on money creation and lending.
• The public must push for a system that rewards labor and innovation, not financial manipulation.

If we stay passive, nothing changes. The rich get richer, the poor get poorer, and inequality deepens. Understanding the system isn’t just empowering—it’s necessary.

Change isn’t easy, but history shows that collective action can spark reform. The financial sector hides its advantages behind walls of confusion and complexity. It’s time to tear those walls down. The system doesn’t serve you and it doesn’t care about you.

The collective push for reform will likely emerge once the public revolts against bonds and fiat currency Ponzi schemes. I believe people will flock to gold and silver to safeguard their savings and shield themselves from the coming waves of inflation. A hoarding horde is running towards Gold today pushing it to all time highs. Silver will play catch up and then some soon. It always does and history shall be our guide.