Money, in this UK-focused account, is created not by governments but by commercial banks issuing loans, a process most people misunderstand even as it drives every financial crisis they live through. Director Michael Oswald builds the film around interviews with Ben Dyson of Positive Money, Josh Ryan-Collins of the New Economics Foundation, economist Ann Pettifor, HBOS whistleblower Paul Moore, Simon Dixon of Bank to the Future, and Nick Dearden of the Jubilee Debt Campaign. The film moves chronologically through the mechanics: how central banks and commercial banks manufacture money, a short history of currency, then the consequences, asset bubbles, inflation, stagnant living standards, and debt that keeps compounding. Later sections turn to bank runs, currency wars between nations, and what the film calls financial imperialism, before ending on proposals for currency reform. Paul Moore's account of what he saw inside HBOS before its collapse gives the abstract mechanics a concrete, personal case. The argument throughout is that nearly everyone, including most economists, never asks where money actually comes from.