Tom Wilda is a semi-retired social worker who spend years working in the shanty towns of Peru. He never understood how people who worked skilled jobs for 50+ hours a week could still be poor. Now he knows that it was because the structure of the economy based on a privately controlled debt money. On returning to the United States, he worked in mental health and believes that much of the anxiety and depression experienced in society is due to the tenuous economic situation of people who work very hard. The reason again is the inequality created by private debt money. He became a monetary reformer after reading Steven Zarlenger’s book “The Lost Science of Money,” and attending conferences of the American Monetary Institute.