1. as the monopoly paradigm of Debt Only for the creation and distribution points of all new money
2. as the Debt/Burden to Fully Pay/or Fully Repay Only at all points of exchange including a) consumer retail, b) financial retail/one’s mortgage, automobile, insurance or other big ticket item’s monthly payment and c) Commercial to Commercial retail

Thus we see that its effects are indeed monopolistic and purvasive throughout the entirety of the economy/economic process.