Economic & Banking Survey

Positive Money Poland will publish all answers in December 2026 AD! Please vote.

1. What is the biggest problem of the economy?
Interest rates (usury)
Debt
Money creation
Other (please explain)
2. How to improve banking and fix money?
Strip commercial banks from the power to create money
Give more power to commercial banks to create money
Destroy the classical banking system and use cryptocurrencies
Other (please explain)
3. What should money be?
Digital numbers in a commercial bank account
Tangible cash: banknotes and coins
Cryptocurrencies and crypto-based wallets
Other (please explain)
4. How to improve the banking product known as credit?
Reduce interest rates (usury)
Increase interest rates (usury)
Remove interest rates and use debt-free money with triple-entry bookkeeping
Other (please explain)
5. What do you think about the creation and destruction cycle of money in the banking system?
It is good: money is available on demand and destroyed to control inflation
It is bad: people work to repay money that is later destroyed
We should stop this process as soon as possible
Other (please explain)
6. What do you think about bank reserves?
Keep reserves as they are today (fractional, full, or none depending on country)
100% digital, flexible reserves created and destroyed dynamically
Fractional reserves diversified across cash, gold, bonds, etc.
Other (please explain)


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