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The more one limits their spending, while they have money in the bank, the more money they will have in the bank the next time they check. The more I make a VERY GOOD salary, have no credit cards, just have some very small loans for some CRAPPY cars (a 2003 Malibu & 2002 Venture van), and STILL have no money. So why . Money is above all, power, and it must not be vested in the hands of a few idiots. Look at You need to educate yourself on money.
Specifically, the Financial Times' Martin Wolf – one of the world's most influential mainstream financial writers – says that, since banks create money out of thin air, they should be stripped of this power, and limited to normal . nation's credit for speculation." Your country is printing money without a gold reserve to back it. The American economy is keeping its head above water by the grace of massive loans from China which the USA will never be able to pay.
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But consider that for balances that are paid off monthly (meaning most of them), the banks make 2% or more on a loan averaging only about 25 days (depending on when in the month the charge was made and when in the grace period it was paid). Your bank then sends you a statement and you pay the balance with a check, causing your transaction account to be debited at your bank. A private merchant's tax simply removes purchasing power from the economy.
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