It is wisdom and basic ethics that one be wary of allowing a single authority to dominate you and the entire system in any temporal affair. So is the case with the business model of Finance.
If one does give an authority the power to be the final one for the money creating power that it be with the proviso that their policies be unequivocally and unmistakenly in the interests of the common good.
I have related the policies of a universal dividend and a 50% discount to retail prices. For most consumer retail products this works perfectly and will enable all consumers to more rapidly save the money and then pay off big ticket items. However, homes which are comparably much larger products would still need these policies applied as well.
It can be shown that Finance as the money creating power itself is actually a thoroughly unnecessary extension of the productive process that normally ends for all other products at retail sale. Thus making Banking just another retail business model and creating a separate money creating and distributing authority that accomplishes the above common interest enables us to better see how Finance has been allowed to become a parasitical force that dominates every other business model and 95% of the general populace. It also better enables the integration and saturation into the broad economy of the new monetary and economic paradigm of Direct and Reciprocal Monetary Gifting.
The retail product of a home building corporation is the home built and finished. According to the discount policy they would be able to sell the home for $200k and yet with the rebate the consumer would only owe $100k as the home building corporation would be paid $100k by the monetary authority. As an exogenous parasitical business model the Bank subsequently creates both the note and the monies to pay for it. What is needed is for the Bank to merely create the note as their retail product….and have a separate money creating authority distribute the actual funds. This way they are able to take advantage of the discount policy and reduce the note to $50k to the consumer and be rebated the other $50k and be able to treat the remainder of that $50k as business revenue. Thus the consumer receives the $200k house for a mere $50k, everyone is made whole on their overheads and margins of profit….and Finance no longer is an incredibly costly parasite on the rest of the actual productive economy.