“The macro problem is how to uncomplicate it – reduce it to mere complexity).”
Yes! And that is precisely what 50% discounts at retail sale and at note signing do. It takes the fact that retail sale is the sole integrative point between the micro and macro economies because it is the most significant aggregative point of the micro economy, and macro-economics is about aggregates. It is also the terminal ending point of the the legitimate economic/productive process, that is where production exits the economy and becomes consumption, which makes it a genuine and potential pivoting/inverting/paradigm changing point.
Emergence/evolution and complexity are facts of life in the temporal universe and hence regulation is always inevitably necessary, but paradigm changes are the slayers of “emergent factors”. No amount of tweaking was ever going to eliminate the “emergent” factors of Ptolemaic cosmology….because what was necessary was a paradigm/entire pattern change. As in cosmology, so in economics and money systems.