The problem is if you have a monopoly paradigm for the creation and distribution of new money of Debt Only as in Burden to Repay, as private finance does, you inevitably have financial crises caused by the continual build up of PRIVATE debt. The solution is a new monetary paradigm of Direct and Reciprocal Monetary Gifting strategically integrated into the Debt Only system, and rational and enforceable regulation of finance so it doesn’t take leave of its moorings with “weapons of mass economic destruction” as it has serially done in the past.

Systemic monopolies are bad enough, but paradigmatic monopolies are far, far worse because it requires the willingness and ability to embrace complete conceptual opposition/paradox and its apparent illogic and one must brush past their own cynicism. But that is what it takes to have a paradigm/lasting change. Helio-centrism vs geo-centrism, cue derisive laughter, nomadic hunting and gathering vs homesteading, urbanization and agriculture, cue condemnation of the witch doctors, Monetary Gifting, cue your own acculturated cynicism…but again, this is the required process of the phenomenon of paradigm change.

With all due humility my recognition that retail sale is the single universally as in aggregatively participated in/macro-economic point in the entire economic process, and thus is the perfect place to implement a monetary policy utilizing accounting that has resolving macro-economic effects on inflation, purchasing power and demand, and beneficial social, psychological and even spiritual effects as well…is worth something other than a non-Nobel prize in economics.

Considering that retail sale has been going on hundreds of millions of times every day right under economist’s noses for centuries, Its also proof that thinking/abstracting, although an excellent way to identify problems, lacks sufficient direct observation to discover solutions…which is a signature of wisdom.