Banks earn billions at the expense of its clients. While savings interests remain low, interest rates of loans are high. Banks loan our savings to businesses who pay the banks high interest rates. The banks enjoy the fruits of our hard earned savings. Aside from low interest rates on savings, we are taxed on the little earnings we get out of this. Infinite Banking circumvents all these expenses. Permanent life insurance allows us to get more out of our plans. Our profits are shielded from taxes and market fluctuations. We also get a fixed and guaranteed rate of return. We earn through dividends. Infinite banking is the wave of the future.