The Federal Reserve System is the target of this argument-driven film from director James Jaeger, built around interviews with economists, financial analysts, and Congressman Ron Paul. The film traces the Fed's creation in 1913, ostensibly to prevent banking panics and stabilize the money supply, and lays out the case that it has instead become a mechanism for transferring wealth upward. Quoting John Adams's line that banking interests are "a bunch of organized crooks," the interviewees argue the Fed operates as a cartel serving bankers seeking easy credit and bailouts and a Congress that prefers borrowing to taxing constituents directly. The film walks through the mechanics of fractional-reserve banking and money creation, connecting them to inflation, recurring boom-and-bust cycles, and the funding of wars through debt rather than direct taxation. Some interviewees go further, contending the Fed's structure and practices conflict with the Constitution's monetary provisions. It plays as a primer for viewers who have never followed how a central bank actually creates money, told entirely from the perspective of its critics.