Saturate the economic system at every level with monetary grace starting with the Banks where you reduce both their business and consumer loan distributions by 50+% and allow them compete for a percentage as a profit margin. Profits and savings are of course allowed at each stage of  the productive process from wholesale through to retail. Debt is reduced at its source eliminating most of the very large component of costs that always ends up being interest making Banking just another competitive business model in the economy instead of the dominating one they have become due to their monopolistically and costly control and claim to ownership of credit. Competition is effective throughout the entire process and therefore reductions to costs and so prices will also be the tendency all the way through the productive process. The discount percentage is still macro-economically derived for the other additional costs of businesses, but the percentage would likely be less considering the initial reduction of the high costs of interest as opposed to a flat cost-plus fee.

Then the dividend total consists of any retained earnings of business and savings by individuals, any waste and any costs of re-investment, distributed equally to each person 18 and older. Also, as the dividend renders unemployment, welfare and even quite quickly Social Security taxes redundant they could be eliminated for both businesses and individuals. The totals thus retained by both businesses and individuals could then be computed and additionally distributed equally amongst the number of individuals 18 and older. Pensions could be made completely optional.

The item costs of straight to the consumer mortgage, auto and other big ticket item loans would be reduced concomitantly by the above system.

Finally, as innovation, artificial intelligence reduced employment and increased productive capabilities with fewer resources the costs of production could be reduced and the dividend increased to reflect the additional ecologically balanced abundance possible and everyone progresses together toward a leisure society increasingly able to create their own self determined ideal lifestyle.

Public Banking could be a further reducer of costs for government spending at all levels.

Gracious regulations could be put in place offering options to both individuals and businesses that, like the discount mechanism, are beneficial to them if they invest/utilize savings and profits in ways that improve productivity, reduce costs for everyone and/or  have ecologically sane and beneficial results thus further aligning the systems with that important consideration.