Let us now be a little more practical. Why is it that when you put money in the bank, you want to have more over time? I know, unfortunately, that historically inflation has been damaging, and that it had to be compensated for. But if inflation is negative or zero, do you find it normal to lose some of your capital? Certainly, it's not just inflation. We were brought up with the idea that money needs to earn a return. If there is a possibility that our money will return, it would be foolish not to take advantage of it. Does that not make sense? Isn't that what you think? It may make sense, but is that consistent with the golden rule? I draw your attention to the fact that the bank also has customers to whom it lends money. And those customers have to give back more than they're loaned. So there is an intermediary who organizes a system so that some people receive money without doing anything and others have to give it back without compensation. This can also be said in the following form: some work for others, organized by a third party. Doesn't that sound like a triangular trade to you? Do you enjoy having to work for free for the benefit of someone else? Is it decent to have a slave? It would seem that the situation may make sense, but it violates the golden rule.

There are two possibilities.
Case 1: You can refuse this profit, which has no merit.
2nd case: You can continue to trust your "common sense" or your "logic" and take advantage of the annuity offered to you by your banker. A person in finance tells me that all his clients will keep their money if there is no interest. No matter what she explains to them.

Yes, it seems that the majority is in the case of breaking the golden rule.

If you are still in doubt, consider the following case: if someone joins a trade union, or a political party, it is to defend and advance his interests or point of view. Is the point of view of the other union or the other party taken into account differently than the balance of power? Is the other's point of view considered at the same level as his own? In today's world, sadly, the answer is no.

The answer is simple but long to explain. The answer is yes, there are serious consequences for breaking such a law. The book Codex Aquarius Volume 1 explains it in the Third chapter. But we have an even bigger and more global problem that will require major changes. The whole book is necessary to address the magnitude of the problem. The solution need not be complicated. There are a few small things to do, such as give up interest, but more importantly, you have to make an effort to become aware of the problem. So a good idea is to read the Codex Aquarius book, be ready to question certain beliefs or certainties, consider that one has made a mistake or one is ignorant.

We're coming out of a health crisis that will have very significant economic impacts and obviously lead to a recession. We have to remember, even before this health crisis, over-indebted states and some big successful companies. were and are still being granted loans at negative rates. This is a sign that a major financial crisis is foreseen, anticipated or feared. by financial players who manage large amounts of cash. This is explained in detail in the Codex Aquarius. It is also explained in this book that the financial system cannot function normally without growth, because of the existence of interest rates. So the recession that is coming will trigger a major financial crisis. And most likely an economic crisis will follow. Profits will fall, which will lower the value of assets. Bankruptcies are very likely to increase, which means that debts will not be repaid. Debts will become worthless. Banks will no longer be able to even their balance sheets, which include weakened assets and rotten debts. Some banks will fail. Your bank may fall.

But in France, laws have been passed to use your deposits to compensate for the bank's losses. A maximum of 100k€ is promised to compensate the happy first few robbed. But not all the clients of a major bank could be compensated given the size of the fund. How it works in your country? Is there even a small and limited guarantee fund?

So as an investor, your best strategy is to keep or preserve your capital... as big investors did some time ago by lending to the safest players at negative rates.

You have the possibility to convert all your money into notes, but you will have to pay charges and the bank will not make it easy for you, because other laws have been passed for that. And if you stop everything at home, you risk having everything stolen. You will be reluctant to go on holiday to watch your money.

But the wisest solution, like some big investors, is to find someone you trust who will give you your money back later. Gold is not the only safe haven. There is also the human. The best way to gain someone's trust is to respect him and not to treat him like a slave, so don't charge interest rates. It is already in your interest to keep your capital. Moreover, you will allow someone to carry out his project and at a collective level to make the eoonomy work. But times are going to be difficult, you must be prepared to accept deferred repayments if the trusted person cannot repay on time. This has no consequences when there is no interest rate.

Broadly speaking, for all acts of life, in the difficult times ahead, the more numerous we will be to follow the golden rule, the easier it will be for us individually and collectively to overcome the challenges ahead. This will decide whether we will face a hurricane or a fresh breeze.

If you read the Codex Aguarius Volume 1, you will understand that the problem is not only at the level of individuals. The heart of the problem is at the level of financial institutions. We must make them accept that we wish to be virtuous. I propose that you give your ideas, thru a question in the forum, on how we could initiate a system of interest-free investments and loans.