There is a lack of understanding about money among many people, as seen in the exaggerated concerns about central banks and digital currencies. Claims that CBDCs will be used for surveillance by the Fed are baseless, and the notion that they will become the primary currency is misguided. Money is simply an agreement on value for exchanging goods and services, and producers only accept currencies they trust. Therefore, there is no need for fear about CBDCs as the market decides which currencies are reliable.