Dr Werner explains that most money is created by commercial banks as debt, and this debt needs to be serviced by borrowers, including by governments that borrow from banks. Commercial banking is an extracting mechanism by extracting interest payments. Why borrow from banks and pay interest when there is an alternative way of money creation and allocation? Dr Werner suggests that governments could create the money and allocate it into circulation through its spending programmes. We have the possibility of launching an alternative money creation system without the burdens we suffer under commercial banking.