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Today, we need to move on from a system that allows and encourages the worst in us (and the worst among us) to prosper.  We take the money system for granted.  » We accept that banks have the right to create, rent out and then destroy money. » We accept that banks have a right to charge us (and our government) interest on this money. » We accept that the system enhances inequality, drives climate change, degrades our planet, promotes war and conflict, and has always led to eventual disaster.  But why do we accept this manifestly undemocratic money system, which serves only to concentrate power and wealth in the hands of organisations and individuals that have profit – not our collective interests – at heart?  Curious to find the answer, researcher and writer Ivo Mosley set out to uncover – and tell – the story of how money-creation works and how it came to be this way.  Many years in the writing, this book is not an attack on individuals or a rant against bankers. 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