When I turned 19, I took out my first bank loan, which only increased every year. I moved to Israel with $700 in my pocket, I was much richer than after 10 years of living in this beautiful country. Unfortunately, at one stage of my life, there was no one who could explain to me how money works and what bad credit is. Over time, I managed to get rid of my debts, and I paid a very high price. But the feeling of injustice did not go anywhere. Understanding the workings of the credit and monetary system will help people gain stability in making financial decisions. Now a person is able to become independent from those who put their profit higher than their own interests. Manipulators in the form of the state and banks will be neutralized.