In this episode, Mark and Brent dive into the uncomfortable truth behind our modern financial system: The Bank of Canada may have held its policy rate at 2.75% Economist Richard Werner explains how banks create money out of thin air—not by lending deposits, but by issuing new credit George Gammon outlines how this fuels inflation, asset bubbles, and the so-called Cantillon Effect, where the rich get richer while the middle class gets crushed Saifedean Ammous calls it a moral failure that punishes savers and rewards debt and speculation We explore how this system affects democracy, increases government overreach, and forces people into a financial squeeze with only two ways out: up or down   Contact the show by emailing hello@twostewards.ca