This whole subject pisses me off to no end. I remember explaining it to my wife years ago when it first clicked for me how fake and fraudulent everything is. We exist in a matrix where even if enough people started to create/use their own system, we would be arrested. If we try to counterfeit the already counterfeit money, we will be arrested again. So the only option is to use their system, which is debt-based and was created to enrich 'them' and keep us chasing our tails for everything in life.