Credit To The People
(413) 329-3200​

~ Helping people understand and take responsibility 
for using credit and money for the benefit of all ~

Bird’s Eye View, by Bernard-Lietaer 

Humanity's Team: The Sphere of Economics 

From Debt-Based Banking to Mutual Creditby John G. Root, Jr.

The Nature of Money, by John G. Root, Jr. 

Essays on Money, by Just Abundance

The truth is out: money is just an IOU, and the banks are rolling in it, by David Graeber

Money creation in the modern economy, by Michael McLeay, Amar Radia and Ryland Thomas of the Bank’s Monetary Analysis Directorate

“It Must Be a Loan": Don’t Pretend You Read and Understand the Documents, posted on January 25, 2021 by Neil Garfield

The Money Myth Exploded, by Louis Even 

Modern Money Mechanics, a publication of the Federal Reserve Bank of Chicago

The New Economy Challenge: Implications for Higher Education, by David Korten 

Designing Money to Serve People, by Prof. Dr. Margrit Kennedy

Worldshift 20 Council Call, by WorldShift Council

Toward a New Money Reality and a Quantum Economy – A Visionary Look at How Money and The Economy Can Become Connecting Forces for a New World, by Laurie Hyland

Concordian Economics - Papers, by Carmine Gorga, Ph.D.

Essays, by Carmine Gorga, Ph.D.
Bank Response to Carmine Gorga's proposal of The Gloucester Interdependence Fund (scroll down)

Let the Big Banks Fail, Let the Stock Market Lose 50% of Its Value Overnight, by Carmine Gorga, Ph.D.

Green Capitalism: The God That Failed, by Richard Smith

The Rise of Anti-Capitalism, by Jeremy Rifkin 

Invitation to Advance a "Citizens' Congress", by Peter Bearse, Ph.D.

Campaign Finance Reform Has Died, by Peter Bearse, Ph.D.

Are The Middle East Wars Really About Forcing The World Into Dollars and Private Central Banking?

Blogs, by Carmine Gorga, Ph.D. 
Carmine's work "adds a new plank to Aristotle's doctrine of economic justice." - William Gissy, Professor of economics, by Carmine Gorga, Ph.D.

The Web of Debt Blog, by Ellen Brown

Adrian Kuzminski


On Consciousness

"We cannot solve our problems with the same thinking we used when we created them." - Albert Einstein

"A new type of thinking is essential if mankind is to survive and move toward higher levels.“ - Albert Einstein

"You never change things by fighting the existing reality. To change something, build a new model that makes the old model obsolete." - Buckminster Fuller

“Small islands of coherence in a sea of chaos can shift the whole system to a higher order.” ~ Barbara Marx Hubbard

"Never doubt that a small group of thoughtful, committed citizens can change the world; indeed, it's the only thing that ever has." - Margaret Mead

“We are called to be architects of the future..." ~ R. Buckminster Fuller

“Be the change you want to see in the world.” - Mahatma Gandhi

“In my dream, the angel shrugged and said, if we fail this time, it will be a failure of imagination, and then she placed the world gently in the palm of my hand.” - Brian Andreas

“The dream is everything. The way we live is determined by the way we dream." - Maria Quischpe, from John Perkins’ book 
The World Is As You Dream It

"Don't be trapped by dogma – which is living with the results of other people's thinking. Don't let the noise of others' opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition." ~ Steve Jobs, Apple CEO, in 2005 commencement address at Stanford University 


On Consciousness and Money

“…our economic system as a whole is a construct of our soul life.”

“The nature of money is bound up with the nature of the human being, the stage of development at which we find ourselves, and the form of consciousness we currently possess. All of these have a history through which the evolution of money weaves like a golden thread in a tapestry.”

“Money is the medium for the spirit in humanity to transform our civilization and to humanize it in accordance with our deepest intentions.” 

“In order to move money so that it heals human social life; our consciousness needs to penetrate every transaction with soul and spirit.” 

The force of love…is the force resident in human souls and powerful enough to transform our monetary system so that it becomes an instrument of love. In so doing we shall without a doubt heal our social life. Our lives are a school that is teaching us to employ this transformative force of love in all our relationships. 

– Siegfried E. Finser, Money Can Heal, Evolving Our Consciousness, The Story of RSF and its Innovations in Social Finance

“Consciousness in its fulfilled, developed state will bring the 'dismal science' of economics to an evolved and higher level - to the status of Enlightened Economics.” - Ron Robins

“…redesigning our relationship to money will be the key that transforms the condition of life, both physical and spiritual, for all of us in the twenty first century.”

“Let your soul inform your money and your money express your soul.” 

“Through the wonderful tool of money we can speak who we are and touch the world.” 

– Lynne Twist, The Soul of Money


On Money Systems

Famous quotes by Benjamin Franklin

Famous Quotations on current banking

“The few who understand the system will either be so interested in its profits or be so dependent upon its favours that there will be no opposition from that class, while on the other hand, the great body of people, mentally incapable of comprehending the tremendous advantage that capital derives from the system, will bear its burdens without complaint, and perhaps without even suspecting that the system is inimical to their interests.” - The Rothschild brothers of London writing to associates in New York, 1863

Paraphrase: Banks only use so little, namely 16%, of their money making to help business; that is economic growth and value creation. The overwhelming majority of money creation goes towards inflating property prices and pushing up the cost of living.
Quote: “In a nutshell, the banks have too much power and they have greatly abused it. Firstly, they have been granted enormous privileges since they can create wealth simply by writing an accounting entry on a register and they decide who uses that wealth and for what purpose. And they have used that power of credit creation to hugely favor property and consumption lending over business investment because the returns are higher and more secure, and thus, the banks maximize their own interest but not the national interest.”
- Partial Statement of Michael Meacher at a Money Creation and Society Debate at the House of Commons on November 20, 2014. Full Statement of Michael Meacher at:
Full 2 hour DEBATE on Money Creation and Society:


On True Wealth

"Finally, there seem to be but three Ways for a Nation to acquire Wealth. The first is by War as the Romans did in plundering their conquered Neighbours. This is Robbery. The second by Commerce which is generally Cheating. The third by Agriculture, the only honest Way; wherein Man receives a real Increase of the Seed thrown into the Ground, in a kind of continual Miracle wrought by the Hand of God in his favour, as a Reward for his innocent Life, and virtuous Industry." – Benjamin Franklin

“When all the trees have been cut down, when all the animals have been hunted, when all the waters are polluted, when all the air is unsafe to breathe, only then will you discover you cannot eat money.” ~ Cree Prophecy

“Wealth is of the universe. It does not belong to us. We belong to it.” “Supply comes from one source – the universe itself.” “There are an infinite number of channels. It’s a matter of opening ourselves to them. Supply can come from anywhere and everywhere.” Deepak Chopra, Creating Affluence

From a Shamanic perspective, wealth comes from being in alignment with the true purpose of our lives. Abundance is having what we need to fulfill our true vision. When we are in alignment with our mythic vision, Pachamama, mother world, the cosmos, the universe, will provide all that we need.

"What we appreciate appreciates. By practicing gratitude for the sacredness and richness of all of life that abounds all around us, we awaken ourselves to the miraculous gift of life and gain access to enjoying its extraordinary journey. Practicing gratitude is also a gateway to attracting what we choose to create and manifest."​ - MSA

"We live in an abundant universe and the ability to manifest, attract, and experience abundance, prosperity, and well-being is available to all. In particular, we experience abundance when we are connecting to Source and the flow of consciousness that guides us, aligning with our deepest values and life purpose, following our compass of joy, serving others, and living with trust, appreciation, and gratitude." - MSA