Lots of agreement here about what the problem is. Wonderful! Now what we need to ask ourselves what is the most universally participated in and efficacious point in the economic process to implement the solution of debt free money, i.e. Monetary Gifts? Well, everyone participates in retail sale or if you’re a minor you’re effected by the price at that point. So if you implemented a 50% Discount/Rebate policy there you’d be able to get $100 worth of groceries for $50, a $60k EV for $30k and a $500k house for $250k. But wait! What is the retail point of Finance? Why its your automobile or mortgage payment? So with the 50% Discount/Rebate the central bank pays 50% of that payment meaning you get a $60k EV for the equivalent payment of a $15k loan and a $500k house for the equivalent payment of a $125k loan. And yet with the rebate aspect of the policy every commercial agent gets their full price or full amount of interest. The 50% Discount/Rebate policy finally universally and beneficially integrates the wholly exterior parasitical costs of Finance INTO THE COST CUTTING/FRUGALITY/COMPETITIVE/LEGITIMATE ECONOMIC PROCESS. Hence it ends Finance standing like a colossus astride the nation and the world and makes it just another business model that still needs to be sanely regulated and forced to be competitive by creating a CBBS Competitive Back-Up Banking system where if you’re creditable (read everyone with a $1000/mo universal dividend and the 50% Discount/Rebate at retail sale) one can get a 3% loan if the private banks won’t grant you that rate.

Finally, finally, with the above policies…its Christmas every day of the year, or if you’re my wife 3 times per day, only kidding honey, and makes participating in the economy the greatest opportunity to self actualize gratitude for a gift since meditation and prayer. Do you think that might take the edge off of the socially scary mood the US and the world is presently in?