I challenge any economist to show how a discount to retail prices to the individual that is rebated back to merchants, even if by whatever percentage right up to what would bring retail prices to merely the cost of original financing, ….could possibly do anyone any harm?

Retail sale to an individual is where all costs for any item actually purchased by an individual is terminatedly summed, and hence everyone and every enterprise has already discovered and chosen their price for said item or service. A retail discount of whatever magnitude is simply utilizing the digital nature of the money system to create economic freedom for the individual, additional profits for enterprise and economic efficiency and flow to the system.

Furthermore, the reduction in prices to the individual and increased profits for businesses would so reduce the necessity of consumer borrowing in order to have a satisfactorily middle class lifestyle and the dependence of enterprise upon finance as a recurring burden…that Banks could become the  correct “smalled up” depository and accounting services they were originally, instead of the tyrannically and anti-socially dominant and manipulative institutions they have devolved into.