1. “This is just printing money / hyperinflation waiting to happen”

Wrong. No new dollars are created. We simply change who collects the interest on the $38 trillion that already exists and is already being serviced. The monetary base stays exactly the same size Congress decides. The only thing that changes is the address the interest check is mailed to. Hyperinflation comes from uncontrolled money creation, not from redirecting existing interest flows.

2. “You’re nationalizing the banks”

Not even close. Banks remain 100 % private. They simply lose the hidden subsidy of borrowing our money for free and lending it back to us at a spread. They become paid servicers (0.1 % max fee) for accounts they choose to support. If they don’t want the business, citizens can open the account at the post office or directly with Treasury. Competition, not confiscation.

3. “This is a CBDC / programmable money / social credit system”

The bill explicitly forbids it. The Prosperity Card is a TreasuryDirect debit card, not a Federal Reserve digital dollar. No transaction can ever be blocked, delayed, or conditioned on behavior. The anti-CBDC clause includes a $50,000 statutory damage clause for any attempt. It’s the opposite of programmable money: it is un-programmable by design.

4. “Foreign governments will dump U.S. debt and crash the dollar”

They can try. Citizens have statutory right of first refusal on every new Treasury auction. Any foreign dumping simply gets bought by Americans at a slightly higher yield for a few weeks. The dollar becomes more attractive, not less, because the world’s safest asset now has 330 million motivated domestic buyers who profit when it’s cheap.

5. “This will cause massive bank runs and financial instability”

Only on the worst banks — and that’s a feature, not a bug. The safest money in the system (TreasuryDirect balances) is already outside the banking system and cannot be run on. The only deposits that remain in banks are the loyal, relationship-based ones. The fractional-reserve casino loses its free chips. The real economy wins.

6. “Congress will just raid the ‘lockbox’ like they did Social Security”

They can try. The bill requires a recorded two-thirds vote of both Houses to touch the Prosperity Fund — a higher bar than any existing trust fund. Every citizen now sees the exact dollar cost of every raid on their monthly statement. Political cost becomes astronomical. The lockbox isn’t just legal; it’s personal.