Why don’t we work with banks?

In lieu of an epigraph.

Once Egyptian Pharaoh led his priests to a high tower and ordered them to look down to where hundreds and even thousands of tired, exhausted slaves, barely dragging their feet, chained in heavy cast iron chains, were carrying stones for the construction of the city.

Each such poor man could carry no more than one stone at a time. The slaves moved in long rows, with guards on their right and left, guarding them lazily, and occasionally using the lash as punishment.

The guards themselves were not very enthusiastic about their work. The scorching sun and the heavy armor they wore in case of rebellion made them very tired.

The state had many slaves and it was considered one of the advantages of the state. Slaves were a free labor force that nevertheless consumed considerable resources. Their upkeep, their food, their guards’ pay. And for all that, both were always dissatisfied. But most of all, of course, Pharaoh and his courtiers feared riots and massacres. In order to do so, it was often necessary to increase guards and to better feed and house slaves so that they would continue to accept inhumane labor by all standards. All this only increased costs, but did not speed up construction, because the slaves were still reluctant to do their work and threatened to revolt.

And then Pharaoh offered a solution to the problem. The slaves will work faster, and they won’t need guards at all. The guards will also become slaves, and voluntarily. And it’s very easy to do. For this purpose, at dawn, servants will announce to all the inhabitants of the city that henceforth all slaves shall be granted a freedom. Everyone is free to do as they please. And those who deliver the stones to the palace will be paid in gold coins. These coins could be used to buy food, clothing, servants, or lodging. Now all slaves would become free residents with equal rights.

The next day Pharaoh and his priests gathered on a high tower. What they saw was beyond any explanation. Hundreds and thousands of former slaves dragged the heavy stones. Some of them dragged two or even three stones at a time in hopes of earning more coins. Many guards were also carrying stones, because there was no one to guard now, and the temptation to earn coins was so great. People who considered themselves free, having removed the shackles, in the hope of a bright future and a happy life sought to earn as much coin as possible. So the money came in.

Time passed. Pharaoh periodically climbed his tower to assess the changes taking place. He noticed some of the slaves joining in small groups to build special carts for the stones, loading them to the top and pushing them into the city. Pharaoh realized that this was only the beginning, that there would be many more inventions and innovations to come. Servants were already appearing, bringing out water and food. Some enterprising workers rented out carts and horses. People felt free. They felt they could control their own destiny. But only the essence of what was happening did not change, they still carried stones to Pharaoh, only in exchange for metal cups, valuable only because the society agreed to consider gold as a value.

Now to the point.

Many of us have wondered what money is, where it comes from, what its value and essence is.

Essentially money (fiat money, about crypto next time) is a government’s promissory note of that government’s obligations in return for services/labor/goods rendered.


Commonly accepted properties of money




4.Additivity and divisibility (up to a certain limit)

5. Portability


Commonly accepted functions of money

1.Measure of value

2.Means of circulation/payment

3. Means of saving and accumulation

But this is an understanding of slaves, albeit very well paid by zeros and ones in databases, which can be exchanged both for the same conditionally valuable gold roundels, and – as long as Pharaoh allows – for real values – an apartment, a car, delicious food, education and so on.

So – Money is far from universal, go to a restaurant in Paris with dollars in your pocket, or with a credit card to a village club in Transcarpathia – and see for yourself.

Persistence – the money “showed”, for example, in 1991, when the savings accounts of hard-working people who had earned their money for apartments and cars turned to “yulina thousand”. The savings book scam is probably the greatest scam in the history of money.

A means of saving – yeah here’s one not far off, in 2014,  pharaohs have transferred the value of the hryvnia from  8 to 25 to the dollar, robbing the entire country. Where this money settled is a rhetorical question.

As we can see – the value of money depends solely on the Pharaoh’s desire.

How banks work.

You think – making money not interest on loans and fees? They don’t – the money is mostly taken from the national bank as “refinancing” and stolen.

We know how it ends. Small banks close with depositors’ money, and large banks are pumped further with money, provoking inflation – this is exactly the same violation of the accumulative property of money. While the hryvnia inflates by 5-20 percent a year (sometimes by 300 percent), the dollar is stable by 3 percent, and thus deposit rates enrich only bankers.

And for those who like to argue, a little math.

Let’s say I put 5000 hryvnias (1000 dollars) in the bank in 2000 and capitalize the interest every month.

The average deposit rate in hryvnia is 15% per annum, which means (interest payment is monthly) 1.25% per month.

Then by 2021 I should have accumulated 5000 * (1.0125 to the extent of 240)=98575grn that should be 20 thousand dollars. A is … 3,600. And the dollar of the year 2000 is worth more than this year’s dollar. Stalinka on Pechersk then cost 20000$, and now 100000$… And this is if the bank did not dissolve in the fog with your money… That is, 20 years of deposit brought a net loss.

But that’s not all. In order to increase one’s wealth (in purchasing power) by 20 times in twenty years on deposit, one would need the economy to grow by a factor of 30-40.

Even Asian tigers can’t do that, and our economy is in reality only going down – and don’t argue, it’s sickening enough as it is.

But that’s not all.

To capture the world’s remaining wealth the bankers use some clever tricks.

Bank traps.

In order to grab more real wealth in exchange for their rounds and zeros and ones, bankers have been doing this for thousands of years  make the next tricky move, called a “boom”, or “bubble”, our way.

The currency is strengthening, but interest rates are plummeting. Loans are very easy to get. Paying demand grows, and with it production and prices. New shops are installed on credit to expand production, new machinery is bought, of course, also on credit. Demand  and cacheflo allow  easy to serve banks. So far… People and enterprises are getting more and more into loans, including foreign currency loans (because the interest rate is lower and the hryvnia is more stable than ever before). Let’s think back to the summer of 2008. The hryvnia is 4.69; a square of an ordinary hut on Pechersk is 5000 dollars. ALL OF IT! BUSTED!

The course becomes 8.5 instead of 5. You can’t take out a loan and you can’t extend it either. Interest rates to the sky! Money is disappearing from circulation, no one is buying anything. Well, except for the bankers and the bureaucrats. It’s called a “CRISIS”, in short, a “bubble burst”.


“The cherries are the first to ripen. One and a half cents a pound. Is it worth collecting it for such a pittance? Black cherries, red cherries are plump, sweet, and birds nibble on them, and after the birds, wasps swirl over them with buzzing. And the pips in scraps of blackened pulp fall to the ground and wither.

Syzy plums become soft and sweet. Collecting them, drying them, fumigating them with sulfur? No way! There’s nothing to pay for cleaning, even at the lowest price! And blue plums carpet the ground. The skin on them twitches with wrinkles, and clouds of flies fly on all sides to feast, and the sweet smell of decay spreads through the valley. The plums turn dark and the entire crop rots, lying on the ground.

And now the pears are ripe – they are yellow, soft. Five dollars a ton. Five dollars for forty cases, fifty pounds each. But after all, the trees had to be sprayed, pruned, the garden requires care – and now pick pears, pack them in crates, load them on cars, deliver them to the cannery. And for forty cases, five dollars! No, we can’t do that. And the yellow fruits, falling heavily to the ground, turn to mush. The wasps eat into the sweet pulp and there is an odor of fermentation and rot in the air.

Small farmers see debt creeping up on them like a sea tide. They sprayed the orchard and sold no crops. Next year this small orchard will merge with a larger plot because its owner will be strangled by debt. This vineyard will be taken over by the bank. Now only the big owners can survive because they have canneries.The smell of decay wafts throughout the state, and in that sweet odor is the woe of the land. People who know how to graft trees, who know how to breed, who know how to develop germinating and large seeds, don’t know what to do so that the hungry can eat what they have grown. People who have created new fruits cannot create a system under which these fruits would find a consumer.

And defeat looms over the state like a heavy grief. What the roots of vines and trees have labored over must be destroyed to keep prices from falling – and that is the saddest and proudest of all. Whole wagons of oranges are piled on the ground. And the orange mountains are poured with kerosene from a hose, and those who do it hate themselves for such a crime, hate the people who come to pick up the fruit. Millions of hungry people need fruit, and the golden mountains are watered with kerosene.

And the smell of decay is rising over the country.

Burn coffee in steamboat furnaces. Burn corn instead of firewood – it burns hot. Dump the potatoes in the rivers and put guards along the banks, or the hungry will catch them all. Cut up the pigs and bury the carcasses in the ground and let the ground soak up the rot.

It’s a crime that has no name. It is a grief that no tears can measure. It’s a defeat that is tarnishing all of our successes. Fertile land, straight rows of trees, strong trunks and juicy fruit. And children dying of pellagra should die because oranges are not profitable. And the investigators have to issue certificates: death by malnutrition, because the food has to rot, because it is putrefied intentionally.

People come with nets to fish potatoes out of the river, but the guards chase them away; they come in rattling cars for discarded oranges, but the kerosene has already done its job. And they stand in a daze and look at the potatoes floating by, hear the squealing of the pigs being slaughtered and covered with lime in the ditches, look at the orange mountains over which the landslides of stinking slurry are driving down; and in the eyes of the people is defeat; in the eyes of the hungry is anger ripening. The bunches of anger in people’s souls are poured and ripening – heavy bunches, and it will not take long for them to ripen.”


And then the mortgaged factories, collective farms, apartments, stores, etc. quickly change owners. A mortgage, you know, a pledge….. Fulfillment of the lender’s legal requirements. Hold out your hands. Or you’ll stretch out your legs.

And you ask why we don’t take out loans?

Of course, with the advent of electronic money, people are trying to break Pharaoh’s omnipotence.

The first to start was the genius of the universal scale I. Musk.

His pay-pal was planned as an alternative to money – cashless money, basically a big database. And he planned to put all the money there – they would be drawn there themselves due to the benefits and convenience of work. Understandably, Musk was prevented from completing the job by Pharaoh’s guards. Only Pharaoh pays for carrying stones! И pay-ral has become a regular payment system.

But another genius, Nakamoto, has created such a system that it looks like Pharaoh’s power will crumble. And Pharaoh’s guards just can’t find him! It’s too late for that.

But about cryptocurrencies – another time, wait for it

Let’s end on an optimistic note. Our business is real, highly profitable and easy to understand. A great theme to save money and make money from something real.

Invest, and your greenhouse will bring you some cucumbers every month. And cucumbers are not gold, they are eaten every day and paid for it with the current universal equivalent of value – which you will get from the greenhouse regardless of anything.

More about money for you, the cherry on the cake, Mr. Mavrodi, clever, subtle, brilliant:


You’re welcome!

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Author: Pavel Drobyshev