The whole monetary problem is summed up in the fact that the money system is not allowed to be direct to the individual in a constructive and freeing fashion, and Finance, which is mistakenly allowed by the political system to have a virtual monopoly on credit creation, does not/will not recognize the temporal/historic reality of the build up of a cultural inheritance of value and productive capacity in advanced economies, and so is allowed to usurp the overwhelming value and surplus created by that reality.