You can earn money and put it in the bank. The government can't tax your income DIRECTLY under the Fair Tax. The one and only time it collects the 23% is when you spend the money. Now, you pay a lot more since you pay a plethora of different taxes that come to more than 23% of your income under the current tax system. It taxes income regardless of what you do with it. And it isn't fair since no one knows what they really owe - even the IRS gets income tax obligations wrong HALF the time. The Fair Tax is about transparency and simplicity. You pay just what you owe and not a cent more.
"Show me just what Mohammed brought that was new, and there you will find things only evil and inhuman, such as his command to spread by the sword the faith he preached." - Manuel II Palelologus