The solution is reconsideration of the concept of full time employment from 40+ hours/week to 15-20 hours accompanied by more monetary Giving/Gifting….so that there is a lot less need to lend/borrow. And this is why we must have a Dividend and a Discount that is actually productive of considerable price deflation.  And these three factors (less working time, more monetary Gifting and less borrowing) which together entitles the individual to have a secured income approaching middle class level. This is also why we need the NCO (National Credit Office) to be the original creator of money which is guided by the appropriate aspects of Grace (Balance, higher/ethical Equilibrium and Flow) not the private self interested Banks. And finally, also have a cooperative effort by both public and private entities to educate and encourage individuals to understand themselves, to understand Life and Living and so to find the positive, constructive and self determined purposes they will then have the time and satisfactory economic freedom to pursue.