Government says "you must use our money".
Government delegates control of said "money" to a coalition of private banks.
Banks print as much money as they want and give it to themselves for free via FED window.
Banks buy real assets with the free money, like houses, and force people to pay for it with (frontloaded) interest.
You pay the banks with the "money" you got by trading your time, your literal life-force, but only after being taxed on income and purchase.
This makes sense, right?