This booklet explains why the money supply of nations must be based on citizenship rather than debt. It shows with "the pen of history" that debt in the United States grew to the astronomical size it is today as a direct result of the decision made in 1781 to have money originate as interest-bearing debt. It proposes that money be understood as citizen shares, not to be bought and sold to make money, but as money itself and that those shares be given to citizens when they register to vote and for infrastructure projects which could then be done debt-free and interest-free..