“Understanding Money And Debt” explores the foundational question of economic development through the lens of fairness, justice, and value creation, using England’s historical progress as a reference point. It proposes the church, inspired by the Great Commission, is a charitable institution embodying collective good works, where value is quantified through equity rather than debt. The system described promotes a free-market environment separate from state regulation, rewarding productive labor and discouraging parasitism, with equity units serving as a metric of value, that is an economic unit that produces progress without inequality or injustice.