The banking industry is unique among businesses.   It's unique in that it's the only industry that can lend/sell you a non-existent product and charge you rent (interest) on the use of its product.   Rental business owners can't get customers to pay rent for the use on non-existent cars, or for the use of  non-existent tuxedos or non-existent bicycles?   How many people are going to go to a restaurant and pay for a non-existent dinner or pay rent for the use of a non-existent house or a non-existent apartment?   

And at the same time, right now, you and I and everybody else who owes money to a bank or to credit card company is paying his/her hard-earned money (transferring some of his/her goods and services) to the super-wealthy money lenders  for the use of their make-believe (fiat)  money.  

Here's how the scam works:   The super-wealthy have set up a banking and financial system that replaces real money with fairytale, make-believe money.  It's money not because it has intrinsic value.   It has value by declaration only.   It's called fiat money.  They have simply declared that they ( and they alone) have the right to print counterfeit money (create receipts for goods and services) and pretend that their receipts have real value.   (The money in your wallet and in your bank account is "fiat" (make-believe) money.  

Every time they add more fiat money to the financial system, (such as giving billions of these make-believe dollars to the bankers) that new money steals its value from the money already in the monetary system.  That's why you pay higher prices for gasoline, food, rent, medicine, and everything else people buy.    The dollars become less-valuable, therefore it takes more of them to pay for your goods and services.   Here's a simple example:  In 1913, the year that the Federal Reserve took control of the American monetary system, a postage stamp cost one cent (one penny).   Today, the cost is forty-five cents (45¢).   

You Are Being Milked for Money   You and I, small business owners, and the general public borrow the banker's money.   We work diligently to produce goods and services and then we give/pay some of our real goods and services to the lenders (fees and interest charges) as payment for the use of their non-existent, make-believe, fairytale, fiat money.   Then while we struggle to survive, the  super-wealthy spend their make-believe money on real goods and service and live extravagant lifestyles using this stolen wealth.   

This technique for milking the public for money has been going on for so many years (since 1913) that it's considered normal and almost nobody questions the validity of the system.