Peak Prosperity

Our Money System Is a Ponzi Scheme

Nov 26, 2025
In this engaging discussion, Simon Dixon, CEO of Bank to the Future and early Bitcoin advocate, reveals the fiat system as a debt-driven Ponzi scheme. He explores how fractional-reserve banking leads to instability and highlights the power of asset managers like BlackRock in shaping the economy. Simon warns against CBDCs and advocates investing in hard assets for personal resilience. He also forecasts a multipolar world as global capital shifts away from the dollar, while emphasizing the importance of community and accountability in today's turbulent landscape.
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ANECDOTE

From Banker To Early Bitcoin Investor

  • Simon Dixon left banking in 2006 after studying monetary reform and trying to build a full-reserve bank.
  • He then discovered Bitcoin in Prague and invested at roughly $3, launching his crypto investing career.
INSIGHT

Fiat Money's Built-In Math Problem

  • Fiat currencies are created as debt by banks and carry interest that the system mathematically cannot always pay.
  • That interest-obligation makes modern fiat systems function like a debt-based Ponzi scheme, says Simon Dixon.
INSIGHT

The Financial Industrial Complex Explained

  • A private financial industrial complex wields power by controlling credit, markets, and lobbying rather than democratically accountable institutions.
  • That network uses banks, investment banks, asset managers and derivatives to allocate capital and influence governments.
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