The fallacy of the velocity of money is that it actually adds any individual income to the system. However, the relevance and applicability of increasing the velocity of money is that it is a sign of economic health and free flowingness due to liquidity for paying overhead charges. The effect of a universal dividend would be to add individual income to the system outside of the current unbalanced and restrictive financial paradigm of Debt only, and the the effect of the retail discount would be increased velocity of money because both more profits and increased likelihood of profitability would translate into less need for the additional costs of finance meaning less money prematurely leaving the system via principle and interest cancellation on its inevitable path back to the Banks. It would also undoubtedly mean more employment than currently will be produced simply because the business climate will be so much more stable and positive for investment, and even given the increasing elimination of human input/employment due to innovation and artificial intelligence would still increase velocity over simply letting innovation and artificial intelligence “have their way” in reducing velocity is a prescription for monetary and economic disaster.