…is a monthly universal dividend at the level of a middle class income guarantee and a high percentage discount to the “retail product” of every enterprise throughout the entire economic process. Thus will the new paradigm of Monetary Gifting saturate the economy with Gifting so that the necessity of new borrowing in fact is eliminated and abundant profit and savings eventually structurally enables Finance “to wither away” as a money creating entity ….instead of the State ….which also withers if we have half a brain and follow through consistently with the new paradigm an aspect of which is the direct empowerment of the individual instead of government and hierarchy.