I quite agree that arguing over capitalism and socialism is dumb. As I said in my post to Steve Keen they are both passe’ as theories. A modern technologically advanced economy should have the profit making system of monetary Distributism.

As for usury/interest, even if it is the largest cost, as it is but one of many additional costs that create a higher rate of flow of total costs than the rate of flow of total individual incomes it is not the first or primary cause of our problems. The real cause is excess/additional costs and the real problem is an inherent scarcity ratio of incomes to costs. Banks/Banking is indeed the keystone structural problem, that is definitely true, because they control the monopolistic and dominating paradigm of loan and debt only, which makes monetary grace as in Gifting the only actual and valid economic solution to the basic problem because it raises inherently scarce individual incomes without incurring a cost to the individual or the system.