5)  Institute a 20% down payment requirement for mortgage qualification and incentivize savings by doubling their already doubled purchasing power. In an abundant monetary system prudent saving becomes a virtue both individually and systemically not a systemic vice like it is now because abundance and prudence are both aspects of grace, and grace resolves seeming opposites. In a money system based primarily on grace, the paradigm of Debt Only is exposed as the real problem and will “wither away”, not profit or the state.