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Some people receive unemployment or some kind of welfare. Other people own businesses or are employees. Some people got rich somehow and receive money from property they own, such as savings account interest, book royalties and so forth. In a country in which business is not subsidized, the business buys merchandise at a lower price than it sells it for, although this causes inflation.

In the U. S. for example, the money the central bank creates is loaned to commercial banks rather than spent. Business borrows and then must repay the money by charging higher prices and hoping someone will buy something. In this credit-based economy, some people have reportedly become multi-millionaires by playing American football, while other people are homeless. Some people make money by selling stock at a higher price than they bought it for, but they find paying enough attention to the stock market to do that to be work.

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