The first dot is the Federal Reserve. I know this is where I begin since this entity prints all the money. The private banking cartel makes the currency, then "loans" it to the government, with interest. It also floods the country with additional money, which causes inflation. Cheap money can sometimes equate to easy credit; and people start buying. We don't understand that "credit" is not "money". We have lived our entire lives in debt to the Federal Government, so we're conditioned to take-on even more debt.