The problem is we've been taught it's a commodity to mine from the economy, rather than a social contract, accounting device and medium enabling it.

Econ 101 says money is both medium of exchange and store of value, but one is static, while the other is dynamic. Blood is a medium, fat is a store. Roads are a medium, parking lots are a store. So to store the asset, sufficient debt has to be generated, to back it.

As a medium its functionality is its fungibility, so we own it like we own the section of road we are on, or the air and water flowing through our bodies.

It's not our picture on it, we don't hold the copyrights and are not personally responsible for its value, like a personal check.

Given there isn't the investment potential for everyone to save individually, but we save for many of the same reasons, the public commons would be the logical solution, but such a healthy society is based on collective responsibility, with rights as reward.

Though when our country was first being imagined, the irresponsible starved, so the debate was over allocating rights, so now we have a society where rights are considered universal and responsibilities are extremely optional. Especially among those with the most rights, aka, wealth.

Given social structures are emergent organisms, with the executive and regulatory function of government as central nervous system, while money and banking are analogous to blood and the circulation system, the effect is similar to a parasite, or cancer, draining strength from the larger system. It would be like the heart telling the hands and feet they don't need so much blood and should work harder for what they do get.

Presumably, in the long term, it's part of the learning curve.