there's a big difference between him and me. He is making payments on his debt. I am not. Never paid a dime back, because nothing was lawfully lent in the first place. Banks scam you into thinking they lent you money and you owe them something. Reality is they monetized your promissory note as a security instrument and got the federal reserve notes created out of thin air for your account. It's your money that you brought into existence through your negotiable instrument, the note.