I applaud your use of the words “direct” and “to the individual’s bank account”. You’re getting closer and closer. Aspects of the word and concept of grace are direct as in personal, now as in immediate, free flowing as in a continuous flow of nownesses, freely and costlessly granted by the King as in a gift, able to add to (individual incomes) or subtract from/cancel (retail prices) as in the digital nature of the money system, equal as in democratic and equalizing as in correcting an inequality and finally, the aspect of simultaneity of two or more things that may inherently not be in equilibrium as in total individual incomes and total consumer prices. Perhaps you could put aside your detestations of my boorishness and consider that policies that reflected these might be workable and applicable to economics.