How about factoring in the liquid asset of Monetary Gifting in the form of a universal dividend and a 50% discount/rebate policy at the point of retail sale. The whole banking collateralization thingy resides entirely within the systemic reality of individual income scarcity/insecurity and the MONOPOLISTIC paradigm of Debt Only which in turn enforces the necessity of continual and ONLY borrowing.
Sufficient and intelligent monetary gifting enables more abundant potential economic democracy and green consumption which stabilizes the macro economy, implemented at retail sale ends inflation forever, allows us to appropriate as much fiscal stimulus for the mega projects necessary to hopefully survive climate change and finally to wither away the illegitimate economic business model of private banking….so that Public Banking can replace it.
“You never change things by fighting the existing reality. To change something build a new model that makes the existing one obsolete.” Buckminster Fuller
Social Credit/Wisdomics/Gracenomics/ Gracientialism 