We suffer from economic oligarchy brought on by the present monopolistic monetary paradigm concept for the creation and distribution of all new money known as Debt Only. Creating a new theoretical framework is all well and good, but will only result in palliative reform. The only way to change everything is to change the charcter of the entire system with a new paradigm concept. That concept is Strategic Monetary Gifting at the point of retail sale for all consumer goods and also at the retail point of Finance which is one’s monthly insurance, automobile, mortgage or other big ticket item with a 50% Discount/Rebate policy at those points and also the rest of the new paradigm policy program which will bring ethics, stability and economic democracy to the complexities in the economic system and much more actual freedom for all economic agents than ever before.