This is not a punitive measure, but rather a simple recognition of systemic injustice gone on too long. The economic system has been unstable due to the accumulation of capital and yet not sufficient total individual income to pay for it for at least the last century. The result is an enforced “necessity” to borrow in order to attempt (and yet still fail) to rectify that instability. In that period Finance has accumulated great and outsized power and wealth and, due to its failure/refusal to balance the economy with a paradigm of monetary grace the free gift/gifting in the consumer sector of the economy, asset inflation and the erosion of purchasing power due to general price inflation has resulted in the vast majority of individuals being able to accumulate little or no wealth, even as innovation has dramatically increased production that should have lead to lower prices and increasing purchasing power for all. This robbing of the commons/cultural heritage of increasing productive capacity has essentially been usurped by the business model of Finance, and a  redress of those losses is effected by the following amends program for Finance:

In addition to the citizen’s dividend and compensated retail discount every citizen 18 and over shall receive an additional $5000/mo for the next 40 months with the proviso that the entire amount be used to retire present indebtedness. If the individual has no debt or their debt is paid off before the end of the 40 month period, the remainder will be placed in an account and be usable by the individual for purchases of future assets up to $5000/mo until the total of $200,000 is received.