Interest is indeed a very large part of the gap, and waste which is also very large proceeds from it.

However, the logic of structural monetary and economic reform is infinity based, that is there can be an infinite number of progressions (or retreats) from the actual solution, and actual enslavement can continue to exist, even if it be more and more subtle, throughout the process.

An example of this is Keynesianism which the neo-liberal DSGE economic ideology quite easily tossed overboard.

The logic of solutions, integration and Wisdom is trinity based: Thesis, antithesis and synthesis-unification. Furthermore Wisdom necessarily includes an ethical consideration, and while reform may also have it, historically it has always been willing to compromise if it perceives progress, which equally historically as per Keynesianism above, we see is a very unstable and reversible process.

Now none of this means there can’t be reform AND solutions (i.e. Public Banking and Social Credit), but what it means is an ENDURING AND REFLECTIVE aspect of an actual solution MUST BE A PART OF ANY REFORM. That means that dividend and discount mechanisms MUST be a part of whatever monetary and economic reform also occurs. That is, it cannot and must not be compromised away. It, (INDIVIDUALLY ABUNDANT monetary grace the free gift) is the next NECESSARY evolutionary IDEA in economics and money systems.

An example of this is Social Security which is a monetary reflection of the solution (albeit incomplete, indirect, relatively scarce and RE-distributive) has endured despite continual attempts by deluded and regressive forces deriding it for 80+ years. The idea/the concept of Grace as in abundance will (correctly) always trump austerity in the minds of men in the temporal universe. As will balance as in satisfactory enoughness and full responsibility as in ethical restraint, which are also aspects of Grace.

If we contemplate, trust and insist on policies aligned with Grace being an ESSENTIAL aspect of reform then it (the freedom of Grace) can and will come to fruition much more rapidly than if we only settle for reform.

None of this is necessarily religious (nor necessarily not religious) it is however spiritual/naturally metaphysical in nature.