The modern banking system grants private banks the extraordinary power to create money which causes debt-fuelling inflation, widening inequality and triggering recurring financial crises. As debt expands and prices rise, ordinary citizens struggle while asset owners grow wealthier. What appears to be financial progress conceals a profound structural imbalance. This book exposes the deep flaws of the current system and advocates full-reserve banking as a compelling alternative – ending private money creation, safeguarding the value of money and restoring stability to the economy. Consistent with Islamic principles that reject debt-driven money expansion and uphold fairness, the book offers a credible solution to Pakistan’s chronic economic problems.