There’s particle of truth in all valid observations. However, distraction from the most basic truth results in palliative thinking and leads to palliative policies which eventually  re-cycles and re-manifests the problem. Economic theory desperately needs the attitude of the engineer. Ironically, part of getting to that attitude is realizing the importance of integrating a philosophy based on the concept of Grace…which the present paradigm of Debt ONLY diametrically opposes and so prevents both individual freedom and systemic free flowingness.