Every economic woe you are expressing can be remedied by a change in the monetary paradigm from Debt ONLY to Debt AND Monetary Gifting. Why does Finance have the right to wield a destabilizing monopoly paradigm for the creation and distribution of all new money??? It doesn’t obviously, any more than the Catholic church had the right to their monopoly paradigm for salvation Via Roman Catholic Sacraments ONLY. We need a monetary Reformation.