Robert,

What about saying:

“The root cause of humanity’s unstable economic woes is a continual shortage of total individual incomes in ratio to total costs, and that is enforced/held in place by private control of money creation.”

That is the more integrated statement of both realities.

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How about:

“The problem is a shortage of individual income enforced by only a single, costly and indirect means of income distribution, namely a loan.”

That’s the essence if not the complete (and complex) reality.

Me:   John D,  It’s true that the sole proprietor type businessman has less expenses/costs to pay….but they are still there. Do you use a computer and accounting software or just even accounting supplies to record your business income? Do you pay taxes? There are many small costs and diminutions of income like this that still need to be paid, and hence your income is less than your income and your other costs. A + B is never not in effect in commerce/the economy.