This text explains why money has different effects according to its origins and purposes. Was it created to make profits for a commercial bank or issued by a government as a form of taxation? Or created by its users themselves purely to facilitate their trade? And was it made in the place where it is used, or did local people have to provide goods and services to outsiders to get enough of it to trade among themselves? The book shows that to build a just and sustainable world, money creation must be democratized and the payment of interest on money in circulation scrapped.