Because presently new money is created only post retail sale or pre-production which marks it as parasitical because it is at all times actually exterior to the actual and legitimate economic/productive process. Taking already created money and lending it is within the legitimate economic process, but creating new money ONLY AS DEBT AND ONLY AFTER TOTAL ECONOMIC COSTS HAVE BEEN SUMMED AT RETAIL SALE…is not.

Monetary Gifting brings economy as in the competitive market characteristics of cost, price and indebtedness REDUCTION to Finance instead of its current Full Retail Price Plus ADDITIONAL Post Retail Cost enforcement.