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foreign [Music] of money creation explained we are going to cover how to use IOU notes as an alternative to credit cards before credit cards most people paid for everything with cash and checks people controlled their spending so that if they did not have the money in cash or in their bank account they had to wait to make purchases then credit cards came along as the fastest and most secure method of payment instead of carrying around cash and checks credit cards came along and boosted economic growth but it is commonplace now that people do not want to wait and so that they want to buy now and pay later most of us do not think about the long-term effects of just paying the minimum card payments which is the interest and every day more people are drowning in debt the average American does not have one thousand dollars in their bank account to cover an unexpected bill we have become a spend now Nation while saving very little IOU notes is a peer-to-peer credit and Loan platform that is