Your systemic analysis is as usual spot on. However, if you would analyze conceptually/paradigmatically you would see that a policy of a 50% Discount/Rebate at retail sale where either the government or the central bank simply creates money with Strategic Monetary Gifting to rebate and make retailers whole on their full price (especially at the retail point of finance, that is one’s car, mortgage or other big ticket item) you implement permanent debt jubilee instead of a one off jubilee and then let Finance go right back to screwing up everything for another 60-70 years with their present monopoly paradigm for the creation and distribution of all new money. Would you please consider modeling the effects of the above policy and the entire policy program in my book 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