Finance is going to be able to game any reform that doesn’t address the most underlying economic problem which is a monetary and economic paradigm that requires the individual to pay the full price at retail sale, and as the retail point of Finance is one’s mortgage or other big ticket item payment, the full price of that payment as well.

Back before we had digital technology, accounting and fiat money systems it was understandable that the consumer pay full price because otherwise commercial agents wouldn’t have been able to survive let alone profit. But we have those tools now, and that opens a way to end Finance’s domination of virtually every individual and every other business model except Finance. That way is a 50% Discount/Rebate policy at the point of retail sale which doing the equal debits and credits would mean that $100 worth of groceries would cost the consumer $50 but the merchant would get their full price of $100 (the consumer gets $50 of price credit but with the $50 rebate debited back to the merchant [created preferably by the central bank] they get their full price). Likewise, your mortgage or other big ticket item payment could be reduced by half which means you get a $500k house for the equivalent mortgage payment of a $125k loan. (The home builder reduces the price to $250k but gets a $250k rebate from the central bank making them whole on their discount, and at finance the bank creates the remaining 250k and it goes to the home builder so they are whole on their entire price and you have a mortgage of $250k…but the central bank pays 50% of your monthly payment to the bank so your total monthly payment is the cost of a $125k loan).

This paradigm changing policy makes government or the central bank a benificent partner with every commercial agent and every individual agent and as a kicker not only transforms the aggravation of chronic erosive inflation into beneficial price and asset deflation it also enables us (if we’re smart) to consciously encourage everyone to self actualize gratitude for a gift of 50% or more of price…everytime they go to buy something…which would undoubtedly raise the general psychological tone of…everyone. Visualize it.

Oh sure, Finance is going to object to the fact that it breaks up their civilization-long dominating monopoly monetary and economic paradigm…despite the fact that the potential market for $500k houses just got quadrupled and the likelihood of default on mortgages has been vastly reduced…but fuck them. They are few and we are many, and if you just keep broadcasting the incredible benefits of this single policy to the general populace you could throw any complicit and foot dragging politician out of office if they didn’t forthwith legislate the 50% Discount/Rebate and the rest of the evolving policy program you can see here: https://www.amazon.com/Wisdomics-Gracenomics-New-Monetary-Paradigm-Policies-ebook/dp/B0C49B9PX7/ref=tmm_kin_swatch_0?_encoding=UTF8&qid=1552358772&sr=1-1-catcorr