The 50% Discount/Rebate policy at retail sale: accounting: Asset: Total of retailers discounts to consumers. Liability: Central Bank’s rebate of money to zero the retailer’s account.

Paradigm change in a single policy because it fulfills the signatures of historical paradigm changes of
1) complete conceptual opposition from Debt Only to Strategic Monetary Gifting,
2) resolution of problems/anomalies of present paradigm by transforming chronic inflation into beneficial deflation and chronic austerity of demand into relative abundance of same. Also
3) ends historically destabilizing private debt build up because the monthly mortgage payment on a $500k house is reduced to the equivalent of a loan of $125k (50% discount at retail sale to $250k and the central bank pays 50% of the $250k monthly payment.)
4) it actually integrates private finance, which has always been either post retail sale or pre-production and hence is a wholly exterior costly parasite on the actual economic/productive process into the economic process, …finally making it a legitimate economic agent.
5) it even benefits Finance because with the retail discount and a resonable universal dividend policy the mortgage market is vastly increased and stabilized because virtually everyone would be creditable.