Re-distributive taxation is old paradigm and theft. One of the legitimate uses of taxation is to discourage economic vices (or mortal sins as the case may be with certain derivative products) and monetary gifting is a new paradigm policy to encourage economic virtues like prudence and traditionally productive investment. Purely financial assets and purely financial speculations are also prime targets for such taxation. The business model of Finance has been the problematic one for the last 5000 years. The money system indeed IS endogenous and privately virtually monopolized. In other words the central banks are the hand maidens of the too big to fail private banks. Almost all consumer products’ prices are terminally summed at retail sale. Not so large items like auto purchases and mortgages where Finance is an incredibly expensive additional flow of costs post retail sale. This exposes the parasitic nature of Finance. If we did what I refer to as the retailization of Finance where they and any other agents would simply charge mark ups for their services for these large asset purchases and a note (but not the actual money creation which would be monitored and granted only by the central bank after appropriate review) the costs of finance could be tremendously reduced and the vices and dangers of endogenous money creation greatly alleviated. Finally, if one tied monetary policy in the form of a rebated discount directly to retail sale one could tremendously increase individual purchasing power and do what was up until then considered impossible, that is, integrating price deflation painlessly and beneficially into profit making systems.