Fair enough observation, but that doesn’t change the fact that the system is destabilized by private debt most essentially because the current paradigm for the creation and distribution of all new money is Debt ONLY. In other words its a monopoly paradigm not unlike the monoply paradigm that the Catholic church held before The Reformation which was Salvation Via Roman Catholic Sacraments ONLY. The word ONLY in both cases designates it as a monopolyconcept/paradigm. Integrate Monetary Gifting strategically into the Debt ONLY system and all manner of modern economic and even social and psychological problems are resolved. Paradigm changes are the second most progressive and permanent phenomena that humanity ever experiences.