Well I don't "come up with it" as such :). Much of what I am saying here is based on the accounting identities and true realities of our monetary system. Obviously I learn it from books and online papers. Here are a couple of useful links:
The balance sheet visualizer is accurate, lays everything out nicely and is fun to play around with: http://econviz.com/balance-sheet-visualizer.html
This book is aimed is easy and fun to read, as well as somewhat shocking. It avoids complications and technical terms, but is still a must read: http://moslereconomics.com/2009/12/1...nocent-frauds/
That will get you started!