It might help to take Chris Martneson's Crash Course (www.chrismartenson.com) where he makes it clear that inflation is necessary under the present Federal Reserve system. Although Chris was a biological scientist before being an internet content provider, he has a pretty good way of describing the economics behind the Fed. It doesn't take a conspiracy theory to address the fairly human activities of the superbanks. Activities that vastly increase their power and in no noticeable way improve our lives. They don't have to conspire. In fact, they are often vicious competitors. Anybody tried to get a home mortgage lately? Hard to get, now. And why? The banks get free (as in no interest) loans from Treasury which the Fed will pay interest on. So they loan it back to the Fed to get paid interest. Why take the much higher risk of loaning us money to buy or refinance a home?