1)  Money is created by giving out loans (fractional reserve banking), so I assume you&#x27;re talking about some other way of creating money.  What, exactly, would you do to the Fed to change governance?<p>2)  I believe that&#x27;s already a goal, though there are certainly perverse incentives.  How does this plan correct those incentives, specifically?  I&#x27;m looking less for goals and more for action plans.<p>3)  This sounds like bitcoin, but I don&#x27;t see how you can abolish the idea of debt entirely or even why that&#x27;s desirable.  Say I don&#x27;t have enough money for food (or whatever).  If I don&#x27;t even have the option of going into debt, I starve?<p>I could see more use for something like debt horizons or forgiveness (i.e. debt expires after a time), but we more or less have this already with bankruptcy, though obviously there are plenty of flaws in that.  And then it&#x27;s hard to get anyone to give you more money because, well, you&#x27;ve already shown that you probably won&#x27;t be able to pay it back.<p>I do find some fundamental disconnects on what money is, though.  It seems like the idea conveyed there is a simple number in a bank account, but in actuality it&#x27;s far more complex than that.  Ultimately the numbers on your account aren&#x27;t what&#x27;s important:  access to goods and services is.  There are also issues with the idea of trying to rate limit everyone from becoming &quot;too rich.&quot;  You might prevent future Rockafellers, but you&#x27;ll also get rid of future Elon Musks.<p>It seems more useful to prevent people from falling off the bottom than trying to shave off the peaks at the top.