Just enable the banks to create a 50% GIFT of money TO THEMSELVES as half payment of everyone’s monthly mortgage, automobile, insurance or other big ticket item including of course the taxes, insurance, interest and any other additional costs included in any escrow account.

In essence the banks dissolve their own monopoly paradigm…but to their own benefit (increased security, stability and broadening of their market).

Ironies abound…with an actual paradigm change! Why? Because paradigm changes are and always have been complete inversions of conceptual, temporal and personal mental realities.