Plaintiff Class

All individuals who have entered into interest-bearing loan agreements within a system where:

• All money is created via loans,
• There is no injection of additional principal into the economy except through further loans,
• And thus, repayment (principal + interest) is mathematically impossible in aggregate.

This includes homeowners with mortgages, students with loans, small business owners, credit card holders, and more.

Defendants

• Central banks (e.g., Federal Reserve, Bank of Canada),
• Commercial banks that knowingly participate in this lending model,
• Governments as co-enablers, when enforcing participation in such systems (e.g., taxation in fiat created only through debt).

Claims & Legal Grounds

• Fraudulent Misrepresentation: Failure to disclose that repayment of all loans plus interest is structurally impossible without further borrowing.
• Predatory Lending Practices: Lending into a closed system with a known mathematical shortfall.
• Breach of Contract / Good Faith: Presenting contracts as bilateral when they depend on third-party debtors to sustain the system.
• Consumer Protection Violations: Engaging in deceptive or unfair financial practices.
• Human Rights Implications: Global debt servitude arising from fraudulent economic architecture.

Summary

"We allege that the modern banking system, by issuing interest-bearing loans in a closed-loop debt-based economy, has created a game that cannot be won. This class action challenges the very math behind your mortgage, your student debt, your business loan — and it’s time to ask the courts: Is it lawful to construct a loan that cannot be repaid — and then punish the borrower for failing to repay it?"