Monopolies are always problematic. Banks own a monopoly paradigm of DEBT ONLY for the creation and DIRECT DISTRIBUTION of new money TO THE INDIVIDUAL. This causes the continual build up of private debt and has always been the leading cause of individual and civilizational economic instability
The 50% Discount/Rebate monies are actually distributed to enterprise which has much precedent. The universal dividend monies are direct distributions of money/not credit, but the rationale for the dividend monies is that they are part of the individual’s cultural inheritance of prioductive capabilities built up over time by their forebears. Last time I looked there was no constitutional objection to receiving an inheritance of money.