The current money creating system is endogenous. That is a basic problem with it. The business model of Finance needs to become an actual retail model whose products are assesessment of creditability, degree of present market saturation, accounting of debt payment and the creation of a note only. 

The actual creation and distribution power of the monies for the note needs to become exogenous. Under the present system the FED is actually the hand maiden of the endogenous money creating big banks. The FED or National Credit Office (NCO) needs to be given that sovereign capability and the NCO needs to have the mandated gifting policies of a universal dividend and a point of sale retail discount which will guarantee that the system serves Mankind instead of Mankind having to serve the system as it must now.