Filing the proper forms at the proper time will allow the IRS to go back to the banks which are withholding the tax – the credit we created by writing cheques, wiring funds, using debit and credit cards, etc. and request that the funds be returned to the creditor. The IRS will gladly deposit, into our bank accounts, that which the bank has been withholding, in escrow, because when funds are in escrow, no one can use them. They are just sitting there. THAT is “the public debt”. If we don’t get the debt moving and functioning, we will be taken down by it. Our cash/labour/debt-notes will sit in escrow, doing nothing, for 36-47 months (depending upon when we put our cash into the public) when both we and the banks could be using it to continue to circulate and keep the economy moving. After this time, if we have failed to claim our abandoned cash, the banks will. THIS might be why banks got a bad name, yet, what’s true is, we created our own problem by not knowing that we are responsible for recovering the funds and keeping us all out of debt. Our claiming a refund of our public funds will work for all involved.