Systemically, a  (-)/scarcity of individual incomes in ratio to costs/prices is resolved by the direct application of a (+)/additional costless gift of income creating a digital monetary and economic equality/equilibrium/(0) of the two.

Likewise, macro-economically, a (+)/an excess of systemic costs/prices and the simultaneous diminutions of money from the circular flow of the economy is (-) reducible/cancellable via the macro-economic application of the percentage of the ratio of total of individual incomes actually available moment to moment over the total costs/prices of all production.  As any excess costs more than the amount of original financing are waste from a macro-economic perspective…the above reducible percentage to consumer prices could be large enough at the point of retail sale, along with the above policy of a universal dividend, to make the system flow freely….without the continual injection of consumer Debt and its large excess of additional costs.

Finally, as consumer finance is approximately 70+% of GDP the consumer financial market (and its additional costs) could then be made virtually unnecessary by the application of the above two policies. And again the resulting increase in individual incomes and reduction of debt service  would free both the individual and the entire system (Consumer finance would still remain an available option of course….and that would consequently have to modeled/considered) Basically individual income placed directly into the hands of individuals 18 years of age and over is swapped for an eqivalent amount in consumer loans at a rate that would insure a guaranteed middle class lifestyle…whether one worked or not. The result would be a leisure society where the individual had both the time and relative economic and monetary resources to pursue their own self chosen goals.