Thanks for your valuable analysis as always Phil. I can only add it's all predictable by the energy analysis, which I think you get instinctively too. Its the energy value in money that's decreasing, as it has to, to efectively pass through zero, if we could somehow wait that long and watch it passing through, as it goes from negative to positive, but we won't, it's physically impossible for us to exist on zero energy, hence why we have to argue for, and actually demand solar indexed stimulus, to more or less instantly switch the polarity of the energy in money from negative to positive, to reflect the actual unmonetised positive economic product created by solar energy to date.
That done, all shops of all descriptions will have the choice of whether to carry on dealing in their produce or not, it will be optional. Even better, all folk would have the choice of whether or not they also would have the choice of setting up shops or not too. I am willing to bet that after this, we would see an explosion of small shops offering all kinds of things, just for kicks. This would result in more small shops rather than less, and we'd be more inclined to seek out artisanery if money was no object, as it would be if we all had the solar indexed UBI.