In this insightful book excerpt, the authors delve into the flaws of our current banking system, arguing that private banks hold too much power by being allowed to create money. The book proposes a bold reform where the state, instead of private institutions, takes responsibility for money creation. The authors believe this change would promote economic stability, reduce debt burdens, and lead to better social and environmental outcomes. They also tackle concerns about inflation and government overreach, providing historical and modern examples to back their claims. Join us as we explore this groundbreaking approach to financial reform.