15-20 tangents can be resolved with the pinnacle and discerning natural concept of wisdom known as grace which includes scientific rigor. Just find the aspect of grace that is the integrated resolution of any personal or systemic conflict/problem and you’ll know what to do within yourself or how to align policy.
The LOVE of money is the root of all evil. Money is an excellent and effective tool, and the economy being monetary as opposed to barter part of its solution is a workable, resolving and wise distribution of it.
Debt creation is currently post retail sale, which is the terminal ending point of the legitimate economic/productive process. This exposes privately created debt creation as parasitical and problematic as even at 0% interest debt deflation occurs with the continual build up of debt. Trying to tweak/reform debt creation in the face of its 5000 year old problematic nature is the equivalent to doing the same thing over and over again and expecting a different result, i.e. insanity. Thus it is necessary to integrate a new monetary paradigm of Gifting into the economy so as to invert the cost inflationary nature of the paradigm of Debt Only and its debt deflationary economic effects. The best way to this would be to adopt the several (4-5) policies I have mentioned here numerous times before while making both debt and Gifting creation purely a publicly administered utility and also make it an extension of retail sale so the discount/rebate policy can be applied to it.
Another of the natural concepts of grace is that it is a dynamically interacting, balanced and flowing one, and macro-economics will stumble around in the dark until it awakens to and adopts the paradigm changing concept of monetary gifting and its aligned policies.