We need to move away from banks. We have too much debt to support the US dollar. I favor metals as in silver and gold as they are God's money are are truly the oldest system. Bitcoin and crypto is good however I do not support this completely as I fear it will lead to a one world currency. With a one world currency then they will move to a one world government and one world religion which was their plan all along. Also digital can be unavailable if the grid goes out or the internet goes down. It can easily be deleted. Silver and gold are your best and first options.
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