Dan J. Harkey

Educator & Private Money Lending Consultant

When I was much younger, having differing opinions was a minor irritation.

You jabbed at friends who thought differently, suggesting they had inferior intelligence or were uneducated, laughed about it, and had a beer together, essentially getting on with life as it should be.

by Dan J. Harkey

Share This Article

Summary

Our opinions and beliefs were shaped by a combination of manufactured propaganda, family, culture, religion, and personal experiences. For instance, the use of misleading statistics to downplay the severity of a crisis or the promotion of a particular political ideology through biased news coverage can be considered instances of manufactured propaganda.

Today, it's not just our value systems, cultural and religious preferences, and personal ideals that are exaggerated or radicalized. We've been deliberately indoctrinated into submission by the government, institutions, large corporations, and mainstream media, all seeking profits or the redistribution of available income. This strategic fracture of culture and relationships leaves us powerless in the face of tyranny.

When it comes to government, institutions, and business, there are no random events. Every action is a deliberate, non-random event designed to further one's agenda.

When I was younger, I eagerly visited the movie theater, where I was subjected to a 30-minute propaganda segment, presented as news, that assured us we were the freest people on earth and the most powerful nation. This segment, often sponsored by government or corporate entities, aimed to reinforce a sense of national pride and unity. However, it also served to manipulate our perceptions and suppress dissenting voices, thereby influencing our understanding of national issues and policies.

Social constructs are ideals made real by convention, manufactured beliefs, or collective agreements, as created by man as opposed to natural sources.

https://en.wikipedia.org/wiki/Social_construct

Article:

Over the last 125 years, numerous systemic frauds have been deliberately perpetrated against the people, benefiting the super elite and the governing apparatus, including its institutions. This deliberate nature should make us more aware and cautious about the systems we trust, instilling a sense of vigilance in us.

Division is always the objective so that people will not pay attention or rise against the perpetrators. The strategic and insidious use of propaganda, gaslighting, and the widespread dissemination of fraudulent schemes was employed to garner support for special interest agendas. This should make us more alert and critical of the information we receive, fostering a sense of skepticism and critical thinking.

Most events are designed to transfer wealth from ordinary taxpayers to the financial elites in the U.S.A. Taxpayers have been disproportionately affected by government actions that overtly redistribute money and capital away from the public (taxpayers) and into the pockets of Wall Street firms, MAGA Banks, Major Corporations, Big Pharma, the Military Industrial Complex, the Government apparatus, and the dependent class, leaving the public at a significant disadvantage. These actions are not random; they are carefully planned and executed. This should make us more suspicious and questioning of the motives behind such actions, fostering a sense of distrust.

Here are eight massive redistribution actions taken by government leaders that robbed taxpayers and redistributed the benefits to the elite groups, creating an unfair system. Aside from the above beneficiaries, government employees and the dependent class of welfare dependents are the primary beneficiaries.

Follow the trail of money and reinforcement of power elites to get more. The American public is merely a pawn in the game for the elites to accumulate more profit and power, with little control over the situation.

Let's look at a few examples. I will list the two most recent, then start with the beginning of the 20th century, with the creation of the Federal Reserve System.

Most recent: All were manufactured as a mechanism for controlling ordinary people, and to further the special interests, power, and profits of groups.

Climate Crisis.

COVID-19.

Yesteryear: and today forward.

The most significant wealth transfer from American taxpayers has all been perpetrated by government actions that overtly redistribute money and capital away from the public (taxpayers) and into the pockets of Wall Street firms, MAGA Banks, Major Corporations, the Government, and the dependent class, leaving the public at a significant disadvantage. These actions are not random; they are carefully planned and executed.

Here are eight massive redistribution actions taken by government leaders that robbed taxpayers and redistributed the benefits to the elite groups, creating an unfair system. Aside from the above beneficiaries, government employees and the dependent class of welfare dependents are the primary beneficiaries.

Follow the trail of money and reinforcement of power elites to get more. The American public is merely a pawn in the game for the elites to accumulate more profit and power, with little control over the situation.

The Federal Reserve was not a spontaneous solution to the Panic of 1907, but a carefully orchestrated plan. Woodrow Wilson signed the Federal Reserve Act, allowing a private cartel of banks to become the central banks of the United States. This move was designed to address the threat of bank runs, thereby fostering a sound banking system and promoting a healthy economy.

The 12 private banks were chosen because of an earlier event when a group of the wealthiest entrepreneurs met on Jekyll Island, off the coast of Georgia, with the expressed purpose of creating a secret cartel and driving all non-member banks out of business.

Today, these Federal Reserve banks are given tremendous power and receive preferential treatment by creating/making money and profiting from the system at the expense of the public. The Federal Reserve constantly expands the money supply by issuing new fiat currency into the financial system. All injections become public debt, but the government intends to refrain from repaying it.

For every dollar created by the Federal Reserve, taxpayers owe a corresponding new dollar of debt. This also creates a systematic erosion of the dollar's purchasing power.

Https://www.lewrockwell.com/2025/07/no_author/the-1913-coup-was-the-beginning-of-the-end-of-our-freedoms-and-our-constitutional-republic/

LBJ's raiding of Social Security. President Lyndon B Johnson issued an executive order in 1968 to raid the Social Security Trust Fund to balance the federal budget and close the gap in the federal deficit, pretending that the budget had been balanced. Johnson did not want to raise taxes but needed money to pay for several ambitious government programs, including the Vietnam War, the Great Society War on Poverty (expanded welfare programs), and the NASA Space Race. Thus, a star was born in the misappropriation of the Social Security Trust Fund to conceal the size of the overall federal budget deficit. No president or administration has ever reversed this, allowing the social security system to accumulate tangible assets to pay for future retirees.

Active workers currently pay Social Security to recipients. In fiscal year 2018, Social Security took in $912 billion and spent $991 billion, a $79 billion shortfall that had to be covered.

The Social Security Trust Fund ($2.9 trillion) and federal employee and military retirement funds ($2 trillion) are part of the national federal debt scheme. They are not assets at all. They are a hollow shell filled with debt instruments that will never be paid back. All that remains as security in these agencies is a digital file containing non-negotiable bonds from the Bureau of Public Debt. The federal government can only redeem these debt instruments, creating more debt to replace the debt.

Imagine that assets on these Trust Funds' books were swapped for debt instruments expected to be owed and paid from future taxpayer receipts. This was the ultimate form of financial prestidigitation. Yes, the debt you owe in the future becomes an asset held on your behalf to pay you when you repay the original debt.

Your future Social Security payments are essentially a hollow shell of debt instruments, which can only be paid by current taxpayers or by issuing new debt. It is bookkeeping magic. This strategy has worked so far. However, the accrued government direct debt obligations and the interest due, coupled with underfunded pension and medical obligations, will consume the entire national budget. Then the Ponzi-based merry-go-round will come to a halt.

Allowing public employees the right to collective bargaining:

A letter by President Franklin D. Roosevelt, dated July 14, 1937, entitled "Letter on the Resolution of the Federation of Federal Employees Against Strikes in Federal Service," issued a stern warning against allowing public employees to unionize and collectively bargain.

In 1962, John F. Kennedy issued an executive order allowing public employees to form labor unions and engage in collective bargaining for more pay and benefits. Employees were given the right to bargain on behalf of the people they represented, and those represented would pay the additional benefits they bargained for.

Public employees were given monopoly power to demand whatever they wanted. If they chose to strike and refused to work, they could not be replaced by other workers who might achieve better results for less compensation. If they did not get what they wanted, they were given the right to strike and shut down parts or all of public services, such as schools, transportation, libraries, fire stations, police services, and all the other things we rely on and pay taxes for.

In 1971, President Richard Nixon implemented wage and price freezes in response to increasing inflation, imposed surcharges on imports, and announced that the US currency would no longer be backed by gold. He unilaterally canceled the United States dollar's right to international convertibility into gold. This created a fiat money system backed solely by the government's full faith and credit. No caps were placed upon creating or issuing more money into the system, thus creating more debt. Sustainability has always been a sublimated topic. This has increased direct debt, indirect debt, and unfunded pension obligations by over $ 220 trillion, which will come due over the next 10 to 30 years. The only solution is to issue more debt to support the Ponzi system.

The progressive tax structure is a taxation system in which the percentage of taxes paid increases as income increases. This system penalizes financial success. An example may be where a lower-wage earner pays a 10% tax rate, but a higher-wage earner pays a 60% tax rate. This is a massive, systematic redistribution scheme. Since the lower socioeconomic subset of voters is more effective as a voting bloc, they always collectively vote for higher rates for higher earners.

The only way to mitigate the impact of federal debt obligations is to systematically erode the dollar's purchasing power. Since the Federal Reserve was established in 1913, inflation has increased by 3,400 percent. This process has decimated the middle class in the United States and will continue.

In 1903, consumers could dine at Johnny's Place in Salt Lake City, where a meal cost just 10 cents, including meat, vegetables, bread, and a cup of tea or coffee. The average worker earned between $200 and $400 annually, 55 cents to $1.10 per day. A professional high-level accountant may have earned $2,000 per year or $5.48 per day.

The official U.S. Consumer Price Index is a widely used measure of inflation. If we calculate the average inflation rate from 1913 until 2016, we get 3.22%. In some decades, inflation was significantly more pronounced, while in a couple of decades, it was less so. Prices doubled every 20 years. Note that ten decades represent five times doubling. $10.00 doubled five times would mean 10 X 2 = 20 X 5 = 100. This calculation assumes a fixed and static value, not one that is compounded or cumulative over time.

However, we have a cumulative effect and a compounding cumulative effect. Inflation works similarly to compound interest, which can multiply your savings and investment income over many years. The real compound cumulative inflation rate from 1913 to 2025 is 3,400%. You would now have to spend $3,400.00 for the same basket of goods and services that could be purchased for $1.00 in 1913.

The Dodd-Frank Act was approved in 2010 under the Obama administration, creating a protection racket for large banks. The bill states that deposit accounts, including checking and savings accounts, are expressly subordinated to derivative participants who may experience losses in the event of a market collapse.

A derivative is a contract between two or more parties that derives its price from fluctuations in the underlying assets. Common underlying assets in derivative bets relate to fluctuating stocks, bonds, commodities, currencies, interest rates, and market indexes. The regulated banking system faces risks associated with $247 trillion in counterparty bets in the derivatives market by these banks through Wall Street, including hedging of interest rates and depositor accounts held in the U.S. banking system. These counterparty bets carry the most significant risk exposure, including the potential for a total loss or a long-delayed or deferred recovery.

The biggest heist, ten times bigger, occurs as we speak. The heist is twofold. Number one is the systematic forced reduction in interest rates. The government can finance the debt, significant corporations can borrow, and consumer debt appears lower. Stock buybacks are financed with super own interest rates. Borrower at 2%, and your stock goes up at 10-15%, you look like a genius. Corporations use highly leveraged financial repression to enhance yields.

What expense? Saving rates are at an all-time low, wages are static, and prices rise by 15% annually. The above group receives 90% of the benefits, while taxpayers receive the remaining 10% every day.

The wealth transferred from the pockets of taxpayers and savers into the pockets of the elites exceeds $50 trillion. There has never been a recorded redistribution like this. Middle-class taxpayers will become surfers. The elites will pay large bonuses and take a well-deserved month off vacation in the Hamptons.

The Federal Reserve solved the 2008 economic meltdown by creating $29 trillion in new money through fiat and using that money to bail out the banks. However, that strategy may no longer be effective or practical.

In 2007, approximately 600 trillion dollars of derivatives contracts were outstanding worldwide. Many central banks became insolvent, as did Lehman Brothers and American International Group (AIG), the leading international insurance corporation that insures against losses on derivative contracts.

Today, there are estimated to be $600 trillion in derivatives (counterparty bets) worldwide; most are highly leveraged and interest rate-sensitive. To put this in perspective, the world's GDP is $88 trillion. Assuming a 10% profit margin, it would reflect $8.8 trillion in profit from which taxes can be extracted.

The five too-big-to-fail ( TBTF ) banks account for 42% of all outstanding loans in the United States. The six most significant banks have 67% of all outstanding bank assets.

The risk in the derivatives market is concentrated in the U.S. In 2011, four U.S. banks held 95.9% of U.S. derivatives. Depositors maintaining accounts with U.S. banks are subject to the risks presented by derivatives under the Dodd-Frank Act. Should derivative contracts default, no government insurance exists; i.e., the full faith and credit of the government does not back derivatives, nor does the FDIC Insurance safety net insure derivatives. In effect, the Dodd-Frank Act has shifted the ultimate risk for derivatives losses, resulting in significant profits for the banking industry. This will go down as one of the most critical financial heists in the history of the world.

After a systemic financial meltdown, you may receive a congratulatory letter that states, Dodd-Frank does not allow you to keep your money. But never fear, you will receive stock certificates in an otherwise bankrupt entity to replace the hard-earned cash you have now lost. The oligarch bankers win by taking a massive risk, and if they fail, the financial losses are passed on to the backs of American taxpayers. The phrase money is safe in the bank no longer applies.

I will never understand why the public readily watches mainstream news propaganda, believes the garbage, and willingly votes for the establishment agenda, which always screws itself. I guess people get the kind of government they deserve, which is correct.