The only way to balance the monopolistic power of Finance and its equally monopolistic enforcement of its loan ONLY paradigm in consumer finance/consumption….and fully consider both micro-economic and macro-economic realities at the same time is to implement the concept and policy of monetary grace the free gift/gifting in the forms of a universal dividend directly distributed to the individual (micro-economics) and a (macro-economic) discount to prices which will equate the costs of consumption and production, and eliminate inflation. This will integrate the most basic realities of micro, namely cost with the most basic reality of macro, aggregate numbers.

The realization of the necessity of doing this begins with the honest and actual confrontation of the monopoly enjoyed by Finance existing in allegedly free market theory. Without confronting that reality any policy is merely a palliative non-solution and a propitiation of the Dominance of Finance.