Everything you say is iffy and possibly entirely correct. Why? Because the entire theoretical framework of supposed “free” markets isn’t free at all, but rather just a delusional chaotic mess that if one continues to believe in it simply inhibits looking at the real problem in economics which is that private Finance wields a monopoly paradigm for the creation and distribution of all new money AKA Debt Only. Strategically integrate Monetary Gifting into the Debt Only system with a policy of a 50% Discount/Rebate at retail sale and every commercial and individual agent wildly benefits (The consumer gets $100 worth of groceries or other products or services…for only $50 and yet the merchant gets their full price of $100. And if you buy a$500k house its reduced to $250k at the homebuilder and then when you finance the remaining $250k the central bank pays for 50% of your monthly payment so you get that $500k house for an equivalent payment of a $125k loan. All merchants get their full price so no moral hazard there. All it takes is the willingness to look at these mathematical and double entry bookkeeping facts.