חדשות וירוס TV - מהדורה 800 • חושבים שיש לכם כסף?... יש לכם בעצם חוב! - חלק ב' • 06-09-2023
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מחר בנק ישראל יודיע אם הריבית תישאר ברמתה או שפנינו להעלאה נוספת.
גל חן, אתה מנסה להכניס אותנו לדיונים הפנימיים בתוך הבנק. נכון, קרן הנגיד, היה מאוד ברור בהחלטת הריבית הקודמת, זה לא נגמר,
עד שזה לא נגמר.
חשוב לי לציין,
כי בהחלט ייתכן שנצטרך להעלות את הריבית בהמשך.
ככל שלא נראה את סביבת האינפלציה המתמתנת בקצב המקיא,
אנו נחושים להחזיר את האינפלציה ליעדה ולהבטיח יציבות מחירים בישראל.
אנחנו נחושים, אומר הנגיד, אז מה יקרה מחר בשוק, וכלכלנים מעריכים, הריבית לא תשתנה, היא תישאר על הרמה הנוכחית של 4.75%.
סתם 2. הסלאר אז מוציא את 10,000 הדולרות בבנק שלה.
כמו כן, מוציא את הכסף המשפטי הגדולה בבנק של המשפטי,
מוציא את הכסף המשפטי הגדולה בבנק של המשפטי.
אצלאל, היא מתחילה בבנק של המשפטי.
ברשיון של 9,000 דולרות,
עוד משפטי גדולה של 9,000 דולרות יכול להיות קרובה על בסיסו של 10,000 דולרות.
סתם 3. אם את 9,000 דולרות זה קרובה בבנק של אחר כחלקי,
במשפטי הגדולה של אותו או של אחר כחלקי,
זה יהיה בסיסו של אחוז קרובה של בנק,
זאת זאת זאת בשלילה של 8,100 דולרות.
כמו כן,
בכל פסיסי הדולרות האלה שכל גבוים חקיקים שקרובים קצת יותר קצת ללילה של בוספה נוספים קרובים קצתי לצולרות,
במשפט אחר כנסייה מוגדרת.
עכשיו, אם החברה המינית של המשפטי לא קרובה במסמכת,
המשפטי הפועל מתמשך,
זו האחד של המשפטי הגדולה של המשפטי החי-קרובה.
אבל יותר זאת�רק,
at every step, the new money will be deposited at a bank and the reserve ratio process can repeat itself over and over
until almost 100,000 dollars of brand new money has been created within the banking system.
All of this new money has been created entirely from debt and the whole process has been legally authorized by the initial reserve deposit of just 1,111 dollars and 12 cents
which is still sitting untouched at the central bank.
What's more, under this ingenious system,
the books of each bank in the chain must show that the bank has 10% more on deposit than it has out on the loan.
This gives banks a very real incentive to seek deposits in order to be able to make loans,
supporting the general but misleading impression that loans come out of deposits.
עכשיו,
אינס כל ההסברה של המרכזים היו הופעים על אותו הבנק,
זה לא יכול להגיד שכל אחד בנק צריך לשלם את הרכבת המינים הראשונים,
כמעט 90 פעמים,
בישראל של הבנקים של הבנקים הוא קרובר,
בנק קרובר את אחד בנק,
וזה יהיה הופעה של הבנק,
וכן וכן וכן.
במידה התיאורטית של הבנקים מיוחדים
ה-ultimate effect would be exactly the same as if the whole process took place within one bank.
That is,
the bank's initial central bank reserve of a little over 1100 dollars
allows it to ultimately collect interest on up to 100,000 dollars,
the bank never had.
אם זה נראה רדיקולט,
תסתכל על זה.
In recent decades, as a result of steady lobbying by the banks,
the requirements to make a reserve deposit at the nation's central bank have all but disappeared in some countries,
and the actual reserve ratios can be much higher than 9 to 1.
For some types of accounts, 20 to 1 and 30 to 1 ratios are common.
And even more recently,
by using loan fees to raise the required reserve from the borse,
banks have now found a way to circumvent reserve requirement limitations entirely.
So,
while the rules are complex,
the common sense reality is actually quite simple.
Banks can create as much money as we can borrow.
אדוני זה היה עכשיו הבעיה מין-לל זה היה כבר לא שיוער בוועדות שווועדות המנהיגות לשירות הבנות.
יותר מאד מ-95% של כל מיתם שיועדות היום נכנסו בשביל מישהו מאז שירותו בעדויות לבניגות שלכלית,
What's more, this bank credit money has been created and destroyed in huge amounts every day as new loans are made and old ones repaid.
Banks can only practice this money system with the act of co-operation of government.
First,
governments pass legal tender laws to make us use the national fiat currency.
Second,
governments allow private bank credit to be paid out in this government currency.
Thirdly, government courts enforce debts.
And lastly,
governments pass regulations
to protect the money system's functionality and credibility with the public
while doing nothing to inform the public about where money really comes from.
The simple truth is that when we sign on the dotted line for a so called loan or mortgage,
our signed pledge of payment backed by the assets we pledge to forfeet,
as we fail to pay is the only thing of real value involved in the transaction.
To anyone who believes, we will honor our pledge that loan agreement or mortgage is now a portable,
exchangeable and sellable piece of paper.
It's an IOU.
It represents value and is therefore a form of money.
This money, the borrowers,
for the bank's so called loan.
Now a loan in the real world means that the lender must have something to lend.
If you need a hammer, my loan is only you a promise to provide a hammer I don't have,
won't be of much help.
But in the artificial world of money,
a bank's promise to pay money it doesn't have is allowed to be passed off as money and we accept it as such.
As once the borer,
once once the borse the pledge of debt,
the bank then balances the transaction by creating with a few key strokes on a computer a matching debt of the bank to the borrowers.
From the borse of the view, this becomes loan money in his or her account,
and because the government allows this debt of the bank to the borse to be converted to government fiat currency,
everyone has to accept it as money.
Again, the basic truth is very simple.
without the document, the borrowers signed,
the banker would have nothing to lend.
Have you ever wondered how everyone,
government,
corporations,
small businesses,
families,
can all be in debt at the same time and for such an astronomical amount?
Have you ever questioned how there can be that much money out there to lend?
Now you know, there isn't.
Banks do not lend money,
they simply created from debt,
and as debt is potentially unlimited,
so is the supply of money.
And as it turns out,
the opposite situation is also true.
Isn't it astounding that despite the incredible wealth of resources,
innovation and productivity that surrounds us,
almost all of us from governments to companies to individuals are heavily in debt to the bankers.
If only people would stop and think,
how can that be?
How can it be that the people who actually produce all the real wealth in the world are in debt to those who merely lend out the money that represents the wealth.
Even more amazing is that once we realize that money really is debt,
we realize that if there was no debt,
there would be no money.
If this is news to you, you are not alone.
Most אנשים חושבים שאם all debts were paid off,
the state of the economy would improve.
It's certainly true on an individual level.
Just as we have more money to spend when our loan payments are finished,
we think that if everyone were out of debt,
there would be more money to spend in general.
But the truth is the exact opposite,
there would be no money at all.
There it is.
We are totally dependent on continually renewed bank credit for there to be any money in existence.
No loans, no money.
Which is what happened during the Great Depression.
The money supply strength drastically is the supply of loans dried up.
In the
that's not all.
Banks create only the amount of the principle.
They don't create the money to pay the interest.
Where is that supposed to come from?
The only place borrowers can go to obtain the money to pay interest is the general economies over all money supply,
אבל כמעט כל המינסקסטים של המים המוסד הזה נקבע בזה בסך השנה כך,
כמו קרקסט לנסוק בקרקסטים שיש לכם יותר מיסוי יותר מ-20%.
אז בכל מקום, יש לטעניות אחרים באותה סיטואציה,
מספיקה קשה לנסוק להחזיר את המים שהם צריכים לבחור את הבין-לאומי והפרינסט של מים כל כך שיש רק טרינסטים.
זה כבר לא יהיה אפייקף לכל מקום לבחור את הבין-לאומי והפרינסטים כי המים-לאומי לא נמצאים זה אפילו
to even be expressed by a simple mathematical formula.
The big problem here is that for long term loans,
such as mortgages and government debt,
the total interest far exceeds the principle,
so unless a lot of extra money is created to pay the interest,
it means a very high proportion of foreclos and a non-functioning economy.
To maintain a functional society, the rate of foreclosure needs to be low and so to accomplish this,
more and more new debt money has to be created to satisfy today's demands for money to service the previous debt.
But of course, this just makes the total debt bigger and that means more interest must ultimately be paid resulting in an ever-הסקלטing and
אינסקייבת ספיירל של מיוחדים ודאט עדוויאלציה.
It is only the time lag
between money's creation as new loans and its repayment
that keeps the overall shortage of money from catching up and bankrupting the entire system.
However, as the bank's insatiable credit monster gets bigger and bigger,
the need to create more and more debt money to feed it becomes increasingly urgent.
Why are interest rates so low?
Why do we get unsolicited credit cards in the mail?
Why is the U.S. government spending faster than ever?
Could it be to stave off collapse of the entire monetary system?
A rational person has to ask,
can this really go on forever?
Isn't a collapse inevitable?
Why do we have a lot of money in the middle of the world?
Money facilitates production and trade as the money supply increases money just becomes increasingly worthless unless the volume of production and trade in the real world grows by the same amount.
Add to this the realization that when we hear that the
economy of the economy is growing at 3% in the year,
it sounds like a constant rate,
but it's not.
This year 3%
3% more real goods and services than last year 3% because it 3% of the new total.
In instead of a straight line as is naturally visualized from the words,
it is really an exponential curve getting steeper and steeper.
The problem, of course,
is that is that perpetual growth of the real economy requires
perpetually escalating use of real-world resources and energy.
More and more stuff has to go from natural resource to garbage every year forever,
just to keep the system from collapsing.
What can we do about this downright scary situation?
For one thing,
we need a concept very different concept of money.
It's time more people ask themselves and their governments four simple questions.
Around the world, governments borrow money at interest from private banks.
Government debt is a major component of total debt and servicing that debt takes a big chunk of our taxes.
Now, we know that banks simply create the money they lend,
and that governments have given them permission to do this.
So, the first question is why do governments choose to borrow money from private banks at interest,
when government could create all the interest-free money it needs itself.
And the second big question is why to create money is that at all?
Why not create money that circulates permanently and doesn't have to be
perpetually re-bורowed in interest in order to exist?
The third question,
how can a money system that can only function with
Perpetal-to-perpetitive-to-perpetitive-to-perpetitive-to-perpetitive-to-perpetitive?
And finally, what is it about our current system that makes it totally dependent on perpetual growth?
What needs to be changed to allow the creation of a sustainable economy?
In the end,
charging any interest on a loan was called usury and was subject to severe penalties including death.
Every major religion forbade usury.
Most of the arguments made against the practice were moral.
It was held that money is only legitimate purpose was to facilitate the exchange of real goods and services.
Any form of making money from simply having money was regarded as the act of a parasite
or of a thief.
However, as the credit needs of commerce increased,
the moral arguments eventually gave way to the argument that lending involves risk and loss of opportunity to the lender and therefore attempting to make a profit from lending is justified.
Today these notions seem quaint.
today the idea of making money from money is held as an ideal to strive for
why work when you can get your money to work for you.
However, in trying to envision a sustainable future it's very clear that the charging of interest is both a moral and a practical problem.
Imagine a society and an economy that can endure for centuries because instead of plundering its capital stores of energy,
it restricts it to present-day income.
No more wood is harvested than grows in the same period.
All energy is renewable,
solar,
gravitational,
גאות'רמל,
מגנטי,
and whatever else we discover.
This society lives within the limits of its non-renewable resources by re-using and recycling everything.
And the population just replaces itself.
Such a society could never function using a money system utterly dependent on perpetuously accelerating growth.
A stable economy would need a money supply at least capable of remaining stable without collapsing.
Let's say the total volume of this stable money supply is represented by this big circle.
Let's also imagine that moneylenders must actually have existing money to lend.
If some people within this money supply
סיסטמטיקלי lending money at interest,
their share of the money supply will grow.
If they continually re-loon at interest,
all the money that gets paid back,
what's the inevitable result?
Whether it's gold,
fiat or debt money, doesn't matter.
The moneylenders will end up with all the money.
And after the foreclos and bankruptcy,
they all get all the real property too.
And only if the proceeds of lending at interest were evenly distributed among the population with this central problem be solved.
Heavy taxation of bank profits might accomplish this goal,
but then why would banks want to be in business?
If we were ever able to free ourselves of the current situation,
we could imagine banking run as a non-profit service to society,
דיספרסים של התחזורים של התחזורים של התחזורים היותריים,
או לנדים בלי תחזורים לתחזורים של התחזורים.