We currently have a virtual private monopoly on credit creation and absolute systemic monetary paradigmatic monopolies of Loan, Debt and For production only.  In other words one can get money for consumption, but it can be only in the form of Debt, i.e. a loan. This despite an inherent systemic scarcity of total individual income and the increasingly disruptive erosion of same by innovation and artificial intelligence. Likewise, individual enterprise, even within a system that is inherently income scarce in ratio to costs and despite ever increasing additional depreciation costs of fixed capital, cannot receive any help to rectify these systemic realities….except to borrow new money or become further indebted via a bond, both of which increase their costs….when again systemic costs exceed individual incomes making the system monetarily unstable and every enterprise to exist within that unnecessary monetary austerity. Is it any wonder why 80% of businesses fail within the first three years?

Private financial monopoly requires the establishment of financial structural duality probably best accomplished with the creation of a public/state banking system to insure true competition and cost efficiency. The monetary system requires an encompassing trinitarian structure of private banks, public banks and an ultimate funding monetary authority whose philosophy is based on the concept of grace as in flow and grace as in gifting and which creates all new monies as well as regulates dual policies of an abundant universal dividend and a reciprocally gifted retail discount that positively effects price deflation within a profit making system.

These paradigmatic changes would transform the austere and unstable character of the entire system, break up the private financial monopoly, free and empower the individual, free businesses from the monetarily austere, hamstrung system and instantaneously accomplish more of the agendas of both the left and right than both these half brained political institutions have brought us in the last 100 years of their continual and short sighted obsessive contention.