There is one dynamic blueprint to rebalance the U.S. economy in favor ‘non-debt based’ money creation: The Leviticus 25 Plan.

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The Hidden Architecture Of Debt: How Private Banks Captured The Global Economy

ZeroHedge, Oct 27, 2025 – Authored by Mark Keenan via RealityBooks.com,

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Introduction: Why Money Power Matters

A century of central banking and commercial credit has normalized a simple but profound fact: most new money is created when banks make loans. As former U.S. Treasury Secretary Robert B. Anderson put it in 1959, when a bank issues a loan, it credits a deposit that did not exist the moment before; the new deposit is “new money.” In practice, this means the money supply expands primarily through private lending, not public issuance.

That mechanism is turbocharged by fractional-reserve banking and today by capital-based banking rules: banks do not lend out pre-existing savings one-for-one; they expand deposits by creating credit. Interest is attached to that credit, meaning the system requires continual new borrowing to service past borrowing. If credit creation slows materially, defaults rise, asset prices wobble, and political pressure mounts to “stimulate” again. In short, we live inside a treadmill that is far more credit-driven than most civics textbooks admit.

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Modern banking’s political leverage grew alongside institutions like the Bank of England and, later, the U.S. Federal Reserve (established in 1913). Whatever the intention of their founders, central banks now sit at the junction of state and finance: they are publicly mandated yet operationally insulated (and privately owned), coordinating liquidity to stabilize the system while commercial banks originate most money-like claims.

This hybrid design has real consequences. It allows a small circle of decision-makers to set the price of money (interest rates), backstop private balance sheets in crises, and influence fiscal choices by making some policies financially easy and others expensive. Former Fed Chair Alan Greenspan once emphasized the institution’s independence; the flip side of that independence is low democratic visibility over choices that shape every mortgage, job market, and public budget.

Beyond national central banks lies the Bank for International Settlements (BIS) in Basel — often called the “central bank of central banks.” Through standards (Basel accords) and coordination, it helps align global banking rules. Critics argue this produces a technocratic layer of control over national economies with little public oversight. Whether one views that as prudent stewardship or as democratic deficit, it underscores a theme: the architecture of money governance is largely opaque to the public it governs.

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Critics like Roy Madron, John Jopling, and John Scales Avery have argued that this growth-dependency crowds out other goals: equitable distribution, environmental stewardship, and cultural stability. It also explains why mainstream debates often avoid the root structure and instead focus on the speed of the treadmill…

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When money is predominantly debt, interest is not a side note; it is a structural tax on all who need money to transact. Banks, by creating credit, collect streams of interest that compound through the system. Meanwhile, inflation — the dilution of purchasing power — often becomes a necessary byproduct of keeping debt-loads serviceable. In practice, inflation acts as a stealth transfer from savers and wage earners to those closer to the spigot of new money (large financial institutions and asset owners).

This is not an argument to abolish credit; modern economies need flexible financing. It is an argument to name the trade-offs honestly. When we call monetary loosening a “stimulus,” we should also disclose who absorbs the loss in purchasing power and who gains from asset inflation. When we raise rates to “fight inflation,” we should admit the cost in jobs, bankruptcies, and public budgets. Stability is never free; it is reallocated volatility.

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Beyond national systems lies a web of global coordination — standards, swap lines, and lender-of-last-resort arrangements that knit economies together. Institutions such as the BIS, the IMF, and development banks shape the terms of liquidity and restructuring. Supporters say this is necessary to prevent contagion; critics counter that it allows a transnational financial class to set conditions on democratic societies in moments of maximum vulnerability.

Both views can be true. But whichever side you take, the outcome is similar: creditors hold leverage, and policy follows balance-sheet realities. The deeper the debt and the tighter the markets, the narrower the options for governments and citizens. This is not a conspiracy; it is a design choice we rarely discuss.

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Conclusion: Seeing the Machine

If you remember only one thing, let it be this: money is not neutral. How it is created, who controls its issuance, and what claims attach to it determine the shape of our economies and the boundaries of our politics. We can disagree about the best reforms, but we can no longer afford civic illiteracy about the monetary plumbing that governs our lives.

In a healthy society, the architecture of money would be a public conversation, not a specialist’s secret. Until then, the treadmill will keep turning — and those closest to the controls will keep deciding how fast the rest of us must run.

Full article: https://www.zerohedge.com/geopolitical/hidden-architecture-debt-how-private-banks-captured-global-economy

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Mark Keenan is a former United Nations technical expert and the author of The Debt Machine: How Private Banks Engineered Global Control and Climate CO₂ Hoax: How Bankers Hijacked the Environment Movement. His work examines how global finance and policy networks shape the modern world behind the scenes.

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The Leviticus 25 Plan corrects the imbalances in America’s debt-based money creation by granting millions of hard-working, tax-paying U.S. citizens the same direct liquidity extensions that were so generously provided to major U.S. and foreign banking concerns during the 2008-2010 great financial crisis, and again during the 2021-2023 Covid crisis.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2026 (38442 downloads )