Under its current tool kit it can only punish the individual and every other commercial agent except Finance with interest rate increases while benefiting Finance with same, and then when the shit has hit the fan because of the greed of the banks only the banks get bailed out and everyone else has to go scratch.

The answer? Have the central bank distribute the debt free/gifted rebate monies of the 50% Discount/Rebate policy at retail sale back to the merchants granting the discount to consumers. Voila! Paradigm change as in doubled purchasing power for everyone and simultaneously potential doubling of demand for every commercial agents’ goods and services…including Finance, beneficial price and asset deflation and just as a kicker the greatest opportunity to self actualize gratitude since mditation and prayer for a gift of 50% of the price of EVERYTHING.

Too simple for the intellectual vanities of the eruidite, too world changing not to be a mega-paradigm change.