What powers this process are feedback loops, specifically the postive ones drawing assets to the center of the community, while negative ones push debts to the fringes.

We mistake capitalism with a market economy, but markets need money to circulate, while people, being linear and goal oriented, see it as the signal to extract and store. Requiring ever more to be added and ever more metastatic methods of storing what has been extracted.

Since most money functions as a contract, with the asset backed by a debt, storing it requires generating sufficient debt.

Squeezing money circulating through the general economy causes it to generate debt, drawing that saved money back into circuation.

Setting up that centripetal effect, as positive and negative feedback work their wonders.

The Ancients used debt jubilees to reset this process, but our current economic models have managed to stay one step ahead of that necessity, through territorial and technological growth.

The other method is having the government as debtor of last resort. The capital markets could not function, without the government borrowing up trillions in surplus investment money.

Money cannot be both medium and store, as one is dynamic, while the other is static. Blood is a medium, fat is a store. Roads are a medium, parking lots are a store.

The functionality of money is in its fungibility. We own it like we own the section of road we are using, or the water flowing though our bodies. It is the quintessential public utility and needs to be treated as such.

There isn't sufficient investment potential for everyone to save enough individually, but we do save for many of the same reasons, so the concept of the commons will have to be resurrected. Along with local, organic monetary systems. Networks matter as much as the nodes inhabiting them.

The irony of our individualistic ethos is the resulting atomized society is more easily controlled by institutional forces and mediated by a parasitic finanacial system.