If you've ever looked at credit cards, student loans, or mortgages and thought,
"If I pay responsibly, why does this feel harder over time—not easier?"
this episode is for you.
Modern credit is framed as a tool for stability, education, and homeownership.
But in practice, it often turns responsible borrowing into long-term extraction.
This episode isn't a rant about banks or a pitch for free money. It's to understand a basic contradiction in how credit works.
By the end of this episode, you'll walk away with one clear mental model:
why modern credit has stopped functioning as trust—and what changes when credit is treated as earned reputation instead of rented, made up money.
This isn't about eliminating responsibility - it's restoring the original purpose of credit: to align trust, risk, and long-term stability. You don't have to agree with the model. You will understand the system—and your own borrowing— clearly afterward.
IMPORTANT NOTICE:
I am not advocating anyone take a current 0% interest loan or credit offers. Interest rates can change, fees can be added, and penalties accumulate in ways that trap people in long-term debt. In this episode I discuss the idea for systemic change to how credit works, and what a truly 0% interest credit system could look like. These ideas only make sense as part of a broader structural change where interest rates cannot be raised, fees cannot be added, and the rules are different from today.
In this Episode:
I lay out a practical alternative: Credit as Earned Reputation (CER), not as borrowed money. Think of this as Promise-based credit. For most of human history, credit worked as trust. Modern finance replaced that with interest, leverage, and bailouts, disconnecting credit from accountability, and turning everyday borrowing into a trap. I explore a realistic, non-utopian model, in which there is no interest on loans for:
It isn't about free money. It's about rebuilding the credit system so borrowing leads to stability, not extraction. This episode explains what Credit as Reputation (Promise-based) is, and how it could work to make it easier, faster, and fairer to re-pay loans.
#Inflation #DebtCrisis #FinancialSystem
