Just call the new monetary authority The Individual’s and Commercial Agent’s Gifting Agency and it pays $200k on a $400k house at retail and the new monetary authority Gifts the Bank 50% of the interest on the $200k it sends to the retailer to make him whole on his total price in exchange for the loan being reduced to $100k. The hence the consumer gets a $400k house for $100k, a $60k Tesla for $15k and a $10 Burger combo for $5, and the bank (ultimately) even gets all of the interest it would earn on the $200k loan.