The Federal Reserve through Fiat Currency and the banks through Fractional Reserve Banking are creating inflation and deflation of our currencies. They have their best interest at heart and not ours. I submit that everyone should try to live within their means rather than live off credit. Throw off the shackles of your enslavement by only buying the things which you have saved money for. Do not take on debt unnecessarily and try to reduce any debt you have as an economic collapse is looming.