Keeping the Dividend in place at a level of say $1500/mo for everyone 18 and older, and then immediately reduce/re-compensate merchants for their discounts on all retail products including mortgages and consumer loans for “big ticket” items like autos at a rate of 50%.  Then require the Banks to  convert all but say a 30% of the reduced principle one time fee amortized for the duration of the loan instead of the compound interest they currently charge. A 30 year $200k loan at 5% costs $181,511 in interest and a payment of $1073.64 per month. Compare that to a $260k loan at 0%  with a payment of $722.33/mo.