I remember it being said on the Google group that Douglas speculated that the Gap was possibly as high as 90%. That undoubtedly included waste, fraud and reductions of income from the circular flow as well as excess costs a la A + B,….but Gap is still Gap whether it is excess costs or diminutions from the circular flow. It all contributes to the moment to moment gap in real time….which is the actual relevant Gap.

And again, if we are ever going to overthrow the monopoly powers of coercion by the Banks/private finance we’re going to have to use the Discount as the powerful macro-economic tool that it is and use it to reverse the problematic ratio and flow of costs/prices exceeding the flow of individual incomes. That is what I refer to as “The Higher, More Ethical Disequilibrium.”

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Saving, unlike debt, is not problematic because the individual has control over it. However, even in a Social Credit economy you would probably want to limit/regulate the interest rate allowed on savings deposits/bonds by both private bankers and the public banking structure to 1-2% just to guard against unbalanced financialization occurring. Euthanasia of the rentier and all of that.

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This is what I believe.

1) The Gap is real

2) Unless we the people take control of the banking system as per my tri-level banking system that aligns philosophically and policy-wise with Grace as in sovereign control by and for the people and Grace as in monetary Gifting and

3) The Dividend and Discount are used as true macro-economic tools to reverse the unstable ratio of income scarcity and cost inflation into stable relative income abundance and price deflation, and

4) If we don’t do the above then the Banks will still remain in control of the money system and the individual will at best be “freed” into a pecuniary welfare level of income and inflation will still erode the purchasing power of the individual and the profits of business.

Now if we decided to just declare the definition of full time work as 15-20 hrs/week, the numerical levels of Dividend and Discount could be somewhat, emphasis somewhat reduced, but the vector of the economy and money system must be toward increasing individual economic freedom and increased systemic free flowingness. Grace aligns with freedom, solutions and Wisdom, not enslavement, palliatives of enslavement and the folly that the individual is less than sovereign and is worthy of anything less than primary ethical consideration.