Ann, you, Michael Hudson, Steve Keen, Ellen Brown etc. etc. all have discovered the correct subject(s) to analyze and critique, namely Money, Finance and Debt and its various systemic consequences like speculation and ungoverned trans-national flow. However, please consider that if one wants to effect permanent progressive change one needs to analyze and discover the key operant concept, i.e. paradigm that creates and re-inforces all of the present problems, and then discover the new concept which applied will resolve the anomalous concept’s problems and become the new paradigm. IOW if we want permanent and progressive change we need to FIRST analyze CONCEPTUALLY and THEN look to how it can be most efficaciously applied. Everyone I follow above is spot on in their SYSTEMIC critiques, but has the SYSTEMIC cart before the PHILOSOPHICAL/PARADIGMATIC horse.

There is one additional reality/factor regarding Money, Finance and Debt that needs to be philosophically recognized and that is monopoly, that is, the ONLY-NESS of its creation and distribution. Monopoly was the problem before The Reformation because the paradigm then was Salvation Via Roman Catholic Sacraments ONLY. Monopoly as a factor is like Kepler discovering elliptical orbits which is what made Copernican helio-centrism actually predict astronomical movements better than Ptolemaic epicycles.

So if the present monetary and economic paradigm is Debt/Indebtedness Itself…ONLY, and two of the signatures of historical paradigm changes are complete conceptual opposition and temporal universe inversion of reality, then the the new paradigm for the creation and distribution of all new money is (Strategic) Monetary Gifting.