Poverty is not created by people who are poor. Poverty has been created by the economic and social system that we have designed for the world. It is the institutions that we have built, which created poverty. It is the concepts we developed to understand the reality around us, which contributed to the creation of poverty, made us see things wrongly, and took us down a wrong path, causing misery for people. It is our policies borne out of our reasoning and theoretical framework, with which we explain interactions among institutions and people that caused this problem for many human beings. It is the failure at the top, rather than lack of capability at the bottom which is the root cause of poverty. The most important step to ending poverty is to create employment and income opportunities for the poor. But orthodox economics recognizes only wage-employment. It has no room for self-employment. Yet self-employment is the quickest and easiest way to create employment for the poor. Credit should be accepted as a human right because it is so important for a person who is looking for an income. Credit can create self-employment instantaneously. We are so much influenced by orthodox economics that we forget that our forefathers did not wait for someone else to create jobs for them. They just went ahead in a routine manner to create their own jobs and incomes. A big step towards eliminating poverty is to make sure that we offer financial services even to the poorest people, that nobody is rejected by a bank on the ground that he or she is a poor person. It will be an uphill task to end poverty in the world unless we create new economic thinking and get rid of the biases in our concepts, institutions, policies, and above all, our mindsets created by the existing orthodoxy.