First, let me reiterate the main concepts expressed and developed in this novel.

Legalized Fraud comes in three forms:

1. Banks lend money that does not belong to them, without the express permission of the money's owner and without the money's owner consenting to the consequences of that loan.
2. Banks lend money long-term (mortgages, business loans, home equity loans, etc.) using short-term (checking accounts, savings accounts, CDs, money markets, etc.) funds, which inevitably led to insolvency at some point in time.
3. Governments and/or banks issue money backed by nothing of real value. Debt-based money, which we currently suffer from, is backed by debt, a highly unstable and economically damaging form of value at best which gets everyone into trouble in the long run and which can disappear in the blink of an eye.

Governments should base real money on commodities of real, tangible, reliable value, such as gold, silver, and/or other precious metals, because the limited quantity of such materials makes it extremely difficult to inflate the money supply and harm society (and individuals) in the long run.

As a corollary, I should note that people should never trust any central monetary authority, whether a government or a bank. Neither can ever be trusted to refrain from debasing its own currency, thereby harming everyone else. This is why currency competition within an economy (not just between economies) is an absolute necessity.

The three practices identified above are fraudulent because they slowly but steadily (occasionally quickly) cheat other people out of the value they earn, which few people notice until much later, if at all.

Every systemic financial crisis in history couldn't have happened without some combination of the three forms of fraud listed above operating “legally”. They enable the money suckers to gain control over other people's money in order to slowly suck the value out of it for their own benefit. The solution that will prevent systemic financial crises of the kinds we've known from ever happening again is to make legalized fraud illegal. It's that simple.

What will you do with the information you now have? Will you help spread the word? Will you write to your Congressperson or U.S. Senator, demanding that they making legalized fraud illegal? Will you work for the the immediate legalization of gold or silver as money? Will you visit our website at www.themoneysuckers.com? Will you work with others who want to seek change? Will you recommend this book to your friends and associates?

Or will you just curl up in a ball and panic? In a sense, that's what I did. I've known about how this stuff works since 1981. As the current crisis hit, I finally decided that I had to do something. That's why I finally wrote this story. I hope I'm not too late.

Most likely you feel a combination of anger and incredulity at the politicians and bankers, which is only natural. The anger, of course, comes from the realization of just how thoroughly our government and the Federal Reserve swindled us over the decades. Your incredulity comes from the audacity and the malice of bankers, economists, and politicians in our past and present who came up with spurious ways to defend the entire, malicious, misbegotten system. The money suckers in all their guises deserve our utmost expressions of disgust and outrage.

Whatever you do now is up to you. You now have the information you've been lacking. Put it to good use.

No free market and no genuine, lasting prosperity can exist when the money supply regularly and significantly changes in size over time. Nothing can stabilize debt-based, inflationary fiat money in the long run. Only money based in the precious metals can achieve that goal, and they can only stay that way when laws prohibit and make bank fraud of all kinds illegal.

One Final Thought

Many people think that Bernie Madoff's fraudulent investment scheme is the worst Ponzi scheme of all time in American history. They are wrong. It is only the third worst. The second worst is Social Security. The worst is the Federal Reserve.

The main difference between Madoff on the one hand and Social Security and the Fed on the other hand is that Madoff's customers had a choice about investing in his con. True, he duped them, but at least his victims had a choice. By contrast, the government forces us all to invest in the Social Security and Federal Reserve frauds, whether we want to or not.

On the other hand, we each have a choice about whether we will stand up and oppose the fraudulent, debt-based monetary system of the money suckers. That choice always remains ours.