Digital currency is destined to change almost everything about our money systems and management. The traditional gatekeepers of credit, and the types of credit issued, are also changing. This week Ellen talks with Scott Smith, an author, financial innovator and presidential candidate who achieved great success in the old mechanics of money but sees a brighter path ahead with simple changes that can do away with income tax and the national debt. Co-host Walt McRee speaks with the CEO of a community-dedicated credit union choosing to leave the business because of harassment from the federal agency that oversees them. And Matt Stannard takes a retrospective look at the past year in public banking news.