You’re so very correct Billy. But there are other considerations that need to be addressed also. Like realizing that philosophy precedes policy and policy must align with and reflect philosophy. And even before that…that old paradigms gone on way too long must be replaced by new, more inclusive, more integrative and hence more unifying and wise ones. Things are speeding up more and more, and crises are multiplying, hence we are at a true paradigmatic crossroads. Monetary gifting/monetary grace the free gift IS the new economic and monetary paradigm. That is absurd to the austerians, and nearly as absurd to most progressives as you state above, but even the MMTers and modern debt jubilee advocates still remain to one degree or another in the paradigms of Debt ONLY, Loans ONLY, for production ONLY, via the system first ONLY. When one integrates these with the ideas of gifting, for consumption and direct to the individual….is when one has seen past the old and looked at the new.