ANSWER:
 The Government will print the money and it will have no value. It will be used as a trade convenience and loaned to everybody for that purpose only. Those who use money will borrow it from the Government without interest. It will not belong to the borrower but will be merely loaned to him for trading purposes and must be paid back to the Gov­ern­ment whenever it is recalled.
 As an example: Manufacturers needing money to buy materials and pay workmen will borrow it from the Government without interest for that purpose. This money will be paid to the workmen by the manufacturers. The workmen will spend this money with the merehants buying the products of the manufacturers Then the merchants will pay this money to the manufacturers for the products they received from them. The manufacturers will then give this money they receive from the merchants back to the Gov­ern­ment from whom they borrowed it in the first place to pay their workmen.
 So far as money is concerned everything has been squared up. In the meantime, however, a lot of real wealth has been produced and distributed which benefits everybody. From this it can be understood why money has no value and how it is used as a trade Convenience in various transactions during the production and distribution of wealth. It is the wealth that has the value. not the money.
 Under Direct Credits the Dollar will be a unit of measurement through which the value of products will be gauged just as the foot is a unit in the measurement of distance.
AUTHOR OF DIRECT CREDITS:
 With Direct Credits there will be so much wealth produced that it will be easy for everybody to get plenty of it. Won’t that make the bum who is too lazy to work feel less like working than ever?
ANSWER:
 The Direct Credits System was not created for bums who are too lazy to work. But even it the same proportion of bums should exist under Direct Credits as there are now, that is no reason why we should not lend manufacturers money without interest to enable them to open their factories so that men who are not bums can go to work and support their families.
 It is possible that there may be a few half-wits too lazy to work under the System of Direct Credits, but they will be poor bums, not rich bums who pretend to own the money and make slaves of everybody.
AUTHOR OF DIRECT CREDITS:
 I know a farmer who bought 200 acres of land for $40,000 and gave a mortgage on it for $10,000. He now pays $700 a year interest and another $700 a year in taxes, making $1,400 altogether. Last year the farm brought in but $1,200, so his interest and taxes amounted to more than he could get out of the farm. What he