This is probably the hardest part of Infinite Banking to wrap your mind around. If YOU are the bank, why would you worry about paying yourself back? And furthermore—why would you pay yourself with interest?? ESPECIALLY if you DON'T HAVE TO pay yourself back at all? Jonah and JDew admit that they didn't understand it to start off with either, but they are here to explain exactly how it works and why you want to do it.