Could not agree with your analysis of neo-classicalism more, and your identification of credit being the biggest source of inflation is equally spot on. The only thing I would point out is that the concept behind credit is DEBT as in burden to repay and because banks create the overwhelming amount of new money every year they wield the monopoly paradigm of DEBT ONLY…and that is the heart, the core problem to be resolved. Then, as new paradigms are always in complete conceptual opposition to the present paradigm, that makes the new monetary/financial paradigm concept MONETARY GIFTING. Strategically apply Monetary Gifting and you’ll find you can not only end inflation but implement beneficial deflation and also implement many other economic and even psychological benefits. Reforms are good. Paradigm changes are permanently progressive historical events.