Finance is at the nexus of our economic problems, not because interest is the be all and end all of our monetary and economic problems, but much more so because generally the paradigm of Debt is an unopposed/unbalanced/unnatural monopoly, and specifically is the same in consumer finance because Finance will not countenance any credit vehicle to the consumer save debt/loan. This despite the fact that the system itself is price inflationary per the rules and conventions of cost accounting and a host of other factors including the increasingly and acceleratingly disruptive forces of technological innovation and artificial intelligence reducing aggregate individual purchasing power. Any lesser policy than direct to the individual gifting is merely a palliation of Finance’s monopoly and dominance. Such palliation is hence not only ineffective policy, but even more importantly a failure to confront the basic unethical and in actual fact enslaving nature of the the system…without a policy aligned with Grace as in the free gift.

Monetary grace the free gift directly to the individual is the only policy that costlessly penetrates all the way TO the individual creating sufficient aggregate actually spendable individual purchasing power…and so frees both the individual and the system. Gifting to the individual is the only policy concept that is able to integrate both micro and macro-economics.