Sorry but you can't scratch the surface of the truth, until you wind in energy.
Money is abstracted energy. This is hard, physical fact, energy quantifies what you can do with money.
More energy travels by money than by any other means, and it's loss of sight of this, due to education becoming commoditised, into disjointed specialisms, (Economists, Engineers, Scientists etc) creating a kind of system-blindness, that is preventing us seeing now the real truth of what is happening.
There is such a thing now as willful continuation of the zero-sum system, whilst nature insists we stop treating it like that.
The energy of the sun flows into the physical economy now, and it continues to scale up, relentlessly.
The actual problem now is that issue of money is falling well short of creation of economic product. This is a kind of artificial enforcement of scarcity, it's no longer needed, and the penalty for doing it, is devaluation of money - loss of the energy in money.
No matter how much of it you have now, as long as it isn't issued the same way as the energy was given, for free from the original donor, the sun, nothing asked in return, no work other than what was needed to put the infrastructure to receive it in place, the money will continue to devalue, because as the energy coming in and the product created from it continues to scale up, the money is representing less and less of it, money is being superseded by economic product, the value of money is heading for zero, literally, because when push comes to shove, its the energy that is more important, the energy is what we metabolise, not the money.
To put this right, it has to be issued in massive quanitity, trillions, actually, to bring it back into line with creation of economic product from solar.
It has to be issued as solar indexed stimulus to all people, rich and poor, giving all similar spending power, actual democracy.
What the hell is debt anyway, an agreement for one person to give their vital energy to another, so the other can exist on the efforts of the former, whilst the energy in profit is what is applied to the thermal mass of the planet, increasing temperature.
This makes technically all financial debt null and void, since it all contributes to the destruction of the planet unchecked, it should be declared illegal, to create agreements of debt. There is no need for it now, if the required money was issued.
Our real debt as a species, is an energy debt to the planet.
Profit is an energy crime, it always was, we just lost sight of it.
Now nature is calling time up on it, and we have to go with that, not only to save the value in money, but to save the planet.
So its a much bigger problem than you've written, with a much bigger solution, imho.
