The quasi-ergotic point in the economic process is retail sale because the aggregates of everyone must and does participate in it. Hence everyone is monetarily and economically effected by cost/price at that point. It, including both regular consumer retail sale and the retail point of Finance which is one’s mortgage, insurance, automobile or other big ticket item’s monthly payment is also the terminal ending point of the entire economic process where production exits the economy and becomes consumption.

So if you implemented a double entry bookkeeping operation of equal debits and credits with a 50% Discount/Rebate policy at those points you’d go a very long way toward resolving the problems of neo-classicalism and of the civilization-long dominating monopoly paradigm of Debt Only wielded by Finance.

Then, simply utilize incentives and disincentives to tie up the ethical lose ends of attempts to game/destabilize the paradigm changing benefits of the 50% Retail Discount/Rebate and other aligned policies through time…and you can approximate economic and monetary ergodicity.

One final suggestion: Cognite on the fact that the beneficial effects of every historical paradigm change have always been an aspect or aspects of the natural philosophical/spiritual (but not necessarily religious) concept of grace which makes paradigm change the “plug and play” intellectual process of finding the relevant philosophical aspect of grace and its most efficacious systemic applications.