is not just the virtual monopoly on credit creation that the private banking system enjoys.  That’s bad enough and a structural balancing of the creation of money with a Public Banking system would be an excellent way to cut the costs of finance for everyone.

However, the deepest problem is the monopolistic enforcement of the ideas for the distribution of money, namely Debt and Loan Only as well as for Production Only. And because in modern technologically advanced economies the rate of flow of total costs/prices always exceeds the rate of flow of total individual incomes available to liquidate those costs/prices…continuous borrowing is enforced with the result that the economy will inevitably collapse from excessive debt….even if  the debt/loans are at 0% interest.

The way to break up this monopoly paradigmatic power is to introduce a new primary monetary and economic paradigm of Direct and Reciprocal Monetary Gifting in a way that benefits both the individual and enterprise, and the way to do that is to implement the dual policies of a relatively abundant universal Dividend to everyone 18 years of age and older and an equally abundantly high percentage discount to the “retail product of every business model” that at the point of sale is then rebated back to the enterprise.