What we need is to integrate the new monetary paradigm of Direct and Reciprocal Monetary Gifting strategically into the Debt Only based system at both retail sale and the point of loan signing. And we do that with the same tool that the banks create upwards of 97% of all of our new money every year with basically just equal debits and credits that sum to zero. Doing that with a 50% Discount/Rebate policy to the consumer by the merchant at retail sale (he opens an account called Total Retail Discounts) and the Monetary authority either the FED or some other authority mandated to create and distribute new money…rebates the entirety of the discounts back to the merchant so he/she is made whole on their entire price. Voila! Everyone’s purchasing power is immediately doubled, the demand for commercial agents is potentially doubled, Inflation is not only resigned to the dust bin of history but we just created BENEFICIAL price and asset DEFLATION. Holly shit! Inversion of temporal universe realities is a classic signature of paradigm change! You do the same at point of loan signing and the result of that is a $400k house ends up costing the consumer only a $100k loan and a $60k Tesla only costs one a $15k loan. Even nicer is the economy becomes a universally participated in, everyday infrastructure for the self-actualization of gratitude for gifting. Visualize an economy based on grace as in gifting instead of the domination of Debt Only. Of course there needs to be numerous other carrot and stick policies to limit and even cause de-growth in many ways like a sliding scale of required investment of gifted income in 5-6% eco-bonds that I suggest in my book, and others, but with the new monetary paradigm you’ve knee capped Finance with its monopoly monetary paradigm of Debt Only thus ending Minsky’s financial instability hypothesis and opening up the possibility that the tool of money can begin to be utilized to accomplish the general individual and ecological Good. I call it a mega-paradigm change in my book of which there have only been two before in the entire history of the human species. Check out Wisdomics-Gracenomics on Amazon.