Individuals are not forced to lend their money to banks, but they are forced to borrow in order to increase their incomes other than work for pay. Considering that aggregate individual income is rapidly being reduced by innovation and AI, and also that virtually every business creates a greater flow of costs than it distributes in individual incomes….the only way this cost inflationary and income deflationary condition can be resolved is for the central bank to open its membership to every individual and have a policy mandate to GIFT the individual with a supplementary income.