Retail sale is the terminal point of the entire economic process and hence the point where all costs and price are summed for any and all products and services. Hence a 50% Discount of price at that point implements beneficial price and asset deflation.

There is consumer retail and financial retail. The 50% Discount/Rebate at the retail point of Finance, which is one’s mortgage, automobile, insurance or other big ticket item’s monthly payment, and finally integrates Finance into the actual economic/productive process instead of allowing it to be the wholly exterior and very expensive additional set of costs it is now.

The rebate aspect of the 50% Discount/Rebate policy makes the commercial agent whole on their entire price and so not only eliminates any moral hazard thought to effect them, and in fact benefits them as much as it does the consumer because it potentially doubles the demand for every one of their goods and services so its a win/win.