The Business Cycle

1. Individuals and businesses in the "Main Street" economy "put up" promises of labor and/or property in order to "borrow" money from the banks
2. The borrowed money is spent into the economy thus forming the "money supply"
3. Businesses and other borrowers use the money to create "value" in the form of products, services or increased property value
4. The increased value made real by the borrowers work or business products pays the lenders "interest."