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I bet you thought that . Banks pay out loans from the money they receive as deposits. That economic experts know what money is. That the Federal Reserve Act of 1913 is largely irrelevant to your life in the 21st century. But did you know that . Bank loans increase deposits by creating money. The national debt can, theoretically, never be repaid. If there was no debt in our economy, there would be no money. Yes, you read that correctly. At least, that is what the Governor of the Federal Reserve Board and the Chairman of the House banking committee thought. Scripture calls the debtor the servant of the lender. It labels as wicked those who borrow and do not repay. If righteousness exalts a nation, but sin is a reproach to any people, what does this imply for a society that is built on perpetual debt? What should a Christian do - stop using "greenbacks" and live in a cave? How should the church respond? These and other questions are examined in the light of scripture in this groundbreaking study on money and banking.