The short answer is you. But, this is a very big question. I do not know your level of knowledge on the subject but since we (and I believe every country on the planet) uses fiat currency, it is not based in gold. The whole financial system is based on a promise to pay, hence, the promissory note. A great deal (not all) of the money that banks have/had they got when you signed your name on your mortgage, check, car note, anything you signed. The big lie that is quickly being shown into the light is that when you signed your mortgage, the bank didn't give you squat. You actually gave them the amount of your mortgage by your signature on the note. All promissory notes become securities on the 91st day after the signing. I could go on for hours about fractional banking and all kinds of stuff but I think a better way is for you to go to youtube and search for banking and related items. If you come across a five part video with cartoon drawings, watch it (I can't remember the name.) Then you could search Winston Strout Solutions In Commerce. Before you do anything though I would caution you, if you delve into this your life will changed forever. This is the time when you have to ask yourself, do you want to take the blue pill or the red pill? (The Matrix reference for those living in caves) Have fun! ~J