Homes, Autos and Healthcare will be “retailized” and the Double Discount/Dividend policies will be applied to their prices.

Either a Public Banking system and/or the National Credit Office will fund all commercial loans after a thorough analysis of the market, borrower’s history and credit-ability and the purpose for the commercial loan itself.

An example of how the Double Discount and Dividend policies will make healthcare affordable with little or no insurance:

The Ophthamologist charges $5000 for cataract surgery and discounts his price 50% to the consumer to $2500, the surgeon is paid $2500 by the NCO to make him whole on his overheads and margin of profit.  The consumer pays the remaining $2500 with a credit card and gets $1250 rebated back. Hence everyone is whole and the entire procedure costs the consumer $1250. The consumer and his/her spouse both get $250/mo ($500 total which is the equivalent of $2000/mo in potential purchasing power) so less than 3 months they pay the rest of the bill to the Public Bank/NCO  (the discount and dividend only apply once for each purchase).  As the couple are both making, let us conservatively say, $25,000/yr via employment that’s as much as $200,000/yr ($50,000 x 4) in potential purchasing power for their wants and needs….so  they’re not sweating things too much.