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The tutorial explains how to write a promissory note that a bank will accept, focusing on its purpose for paying off debts. It highlights that every time one signs a government or bank document (like credit applications, loan agreements, or court documents), they are effectively creating a promissory note. This signature acts as the individual's promissory note to the entity for which it was signed. Importantly, the document holds value only through the signature of the individual, which signifies acceptance, rather than the bank's approval or interaction. Thus, the act of signing any official document is akin to issuing your own promissory note.