A film about the arithmetic behind modern banking, built around a simple claim: when a bank lends 100, it creates that 100 out of nothing, but demands 105 back in interest, and nowhere in the system does anyone create the extra 5. Animated graphics walk through how fractional reserve lending and compound interest work, tracing what happens when every unit of currency in circulation was born as someone's debt. The film argues this structural gap between money created and money owed forces perpetual borrowing, growth, and eventual default somewhere in the economy, and uses that mechanism to explain recurring cycles of debt crisis and austerity. Commentary from economists and monetary reformers backs up the central diagram, returning to it repeatedly as the throughline for the whole argument. It sits alongside films like The Money Masters and Zeitgeist in the debt-money-critique genre, aimed at viewers who have never had fractional reserve banking explained to them in plain arithmetic rather than jargon.