 In the mainstream economy, money is regarded as a scarce commodity, which is rented out many times simultaneously by those who have it, to those who don't.This practice leads directly to hoarding and thus scarcity of money, to a growing wealth gap, to the poverty trap, the boom/bust cycle the economic 'growth imperative' and many other seemingly eternal social evils.Mutual credit accounting emphasises the importance of balanced exchange over the importance of property owners getting something for nothing.