As David Graeber has shown us Finance has been a problematic, that is automatically a problem, business model for over 5000 years. It’s way past time to deal with it terminatedly.

Hence we should make private finance only 100% reserve Banking, that is only able to use prior savings and profits and so not able to leverage those funds X10 or X35 like the TBTF Banks did before the 2007 crisis occurred, and all other financing, whether governmental, commercial or consumer, a disciplined public utility that charges a 1-1.5% rate of interest to pay employees and rebates any profit back to the government for things like defense thus lowering taxes on everyone.

Then distribute a universal dividend equal to a satisfactory middle class lifestyle to fill the gap in individual incomes created by the empirically decipherable fact of commerce itself being cost inflationary, and discount any other incidental excess prices or diminutions of money (profit, savings, re-investments) from the circular flow of the economy back to the individual at a percentage that causes actual price deflation within a profit making system, and we can all progress toward a system where money becomes a ticket for the distribution of our abundant capabilities to produce.  With these gracious and enlightened policies, other gracious but effective regulations as guides and an emphasis on man’s higher mental capabilities we’ll have a Wisdomics and a Gracenomics that will enable a new age of Wisdom and Grace to take hold, evolve human systems and enable humanity to pursue their then prosperous and self determined dreams in peace, purposeful activity and joyous discovery. No system will ever be perfect and neither will individuals, but enabling individuals to be economically free to self determinedly create their own utopian ideal scene in a Distributist economy is the expression of individual freedom itself, not a one size fits all top down mistaken historical template for  tyranny like Finance Capitalism or an equally hierarchical Socialism. Removing the largest and most time consuming barrier and burden to that expression of individual freedom combined with a rational and spiritually resonant ethic of grace/graciousness is the way out of the enslavement of homo economicus and the way home to the greater expression of our complete nature.