Give everbody and every commercial agent an account at the central bank and mandate that the central bank fund both the rebate aspect of a 50% Discount/Rebate policy at retail sale and a UBI. Reserves are basically gifts to the banks as is the interest they get from bonds. The FED is the BFF of the banks. The 50% Discount/Rebate at retail sale makes the FED the BFF of EVERYBODY and every commercial agent. Just amend the FED’s charter and the economy runs on all $50 trillion cylinders…for EVERY agent.