The system of commerce ITSELF is the arena within which the income scarcity problem manifests itself. Creating interest free money that does not have to be paid back, but is just rolled over is not a problem, however, the moment you inject it actually into the economy itself…the problem has arisen. Also, changing the cost accounting convention which enforces that scarcity macro-economically is not actually an option because micro-economically it is an excellent knowledge and necessary signalling mechanism.  Therefore the only way to resolve the problem is to correct it…..with the actual solution of a gift of income…directly to the individual first…and then let he/she inject it into the economy. And then just to maintain the virtual equilibrium created by that gracious gift, you immersively and completely apply monetary grace within and between individuals and businesses in the economy by discounting prices to the consumer and rebating those discounts back to participating merchants. That’s Grace and that’s economic.