If you implemented $1000/mo. universal dividend for everyone 18 years and older, a 20% discount/rebate “pass on” policy at the point of sale of every business’s product to the next business model on the way to retail and also a 50% discount/rebate policy at the point of retail sale which would automatically double that dividend and everyone’s earned income by at least a factor of two….you wouldn’t have to worry about playing the financial games that Finance’s dominating paradigm of Debt Only currently enforces on the 99%.