Again, your reform ideas as well as the reform theories of the likes of Steve Keen, Michael Hudson and Warren Mosler are valid…but they do not penetrate or elevate analysis to the conceptual/paradigmatic level. The effects of reforms are good, but shallow, temporary and via some systemic organization in other words NOT DIRECTLY BENEFICIAL TO THE INDIVIDUAL. ONLY NEW PARADIGMS are permanent, deep. directly beneficial to the individual and resolving of the key/core anomalous present paradigm’s problems. Thats because new paradigms are synonymous with Wisdom insights in that they are DEEP, RESOLVING SIMPLICITIES. The only difference between them is your normal wisdom insight is personal ONLY while a new paradigm is BOTH PERSONAL AND SYSTEMIC WISDOM.

In fact the short course in paradigmology is that new paradigms are always in complete conceptual opposition to the present anomalous paradigm, deep/resolving/wisdom insights and their beneficial effects are always an aspect or aspects of the natural philosophical concept of grace APPLIED.

Debt ONLY as opposed to Monetary Gifting…check!
Continuous monetary gifting directly to the individual at retail sale resolves inflation and ends the historical destabilization of domestic economies by the monopoly paradigm of Debt Only…check!
Gifting is an aspect of the concept of grace…check!