Even loan by every bank is fraud and does not need to be paid back. Indeed, to pay back any loan is literally a double payment… put another way extortion.
Given that bankers only create the principle in every loan but not the interest, there is perpetually more debt owed than exists in the system. The rate of debt creation and extinguishing thus determine the perceived wealth of the population.
The best solution is to simply STOP.
STOP PAYING CREDIT CARDS.
STOP PAYING MORTGAGES.
STOP PAYING CAR LOANS.
STOP PAYING STUDENT LOANS.
If you believe that any [fraudulent] LOAN needs to be paid off, we have the right to debt as speech. Creating debt is a First Amendment Constitutional protected right. Anyone may create private bonds [bank notes] that REPRESENT new debt with our copyrighted signature.