There is no other way to put it. Americans have been tricked! The hidden process of money creation that artificially manipulates interest rates and creates economic booms has misguided society’s views of money and credit. This has been especially noticeable in our modern view of savings. Once considered the bedrock of a household’s financial strategy, traditional savings plans lost favor with the public because they were seen as too slow and boring in an economy that was flush with money and low interest rates. The lure of the stock market and the promises of quick money through investing turned Americans into a nation of speculators.