100 years after the creation of the Federal Reserve System (FED), whose legality and modus operandi remain questionable, it is time to rethink the national and international payment system as a whole. The key element of existing economic relations is money, which makes barter-free exchange possible. But the monetary economy is only one aspect of a broader political framework designed and established to maintain power. Such selfish political interest proves its own relevance and exerts ideological pressure on economic thought, which consequently shapes economic and political institutions. In an effort to break a rule and end the cycle of capitalist self-fulfilling prophecy, a different economic model based on common ownership (userization) is considered. This manuscript explains userization and substantiates its advantageous social and ecological appropriateness.