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All of this is fictionnal, money is created through loans. ”Value” is fictionnal. Economy is as well, sheepsA contract implicates that both parties put foward and share same risk amount. When you issue a loan, the only one taking a risk is you. The bank(or loaner) do nothing, nothing but create a loan sheet which they turn into ”money” based on the ”item” value, which in turn can be turned into a new loan.The american dream as it’s always been. NOW WAKE UP! It’s crap.Sleep well.