We cut out banks and governments in $80 trillion money creation industry & give their cut back to the people. RESULT: People earn 25x+ more.
Banks/Governments earn trillions creating money, but somehow consumer end up with 1% interest on savings and no benefit on spending money.
Reserve backed decentralized currency with digital "banking" app paying 25% interest on savings.Visa debit card pays 5% cashback on spending