The way to guarantee that both government and finance are benevolent is to make the very policies one crafts and implements…effect individual economic security and systemic free flowingness. Freedom and free flowingness are freedom and free flowingness. A = A in other words.

A middle class income guarantee whether one did a lick of work for pay or not satisfies the former, and that additional demand plus a retail sale policy to catch any costs in excess of an equilibrium, or better yet to create price deflation thereby actually increasing both individual purchasing power and making the system stably headed toward ever decreasing need for finance at all…are the precise policies, along with a state Banking system as per North Dakota, to complete the job.

I would be happy if the totality of finance costs were to become a skimpy AI algorithm that accurately assessed creditability and did the necessary accounting, but without correcting the systemic scarcity of individual incomes in ratio to costs the economy will remain unstable and some entity whether economic or political will over see it and be more concerned with power, profit and control than empowering the individual. That will only occur by placing a non-coercible amount of money in their many hands and by making the system less and less costly.