There is always excess, use the excess This is perhaps the most difficult for Americans to believe. There is always excess, even in the poorest situations. Always USE the excess. Among 20 families there is always enough money to build another nice house, and buy another good piece of land. DO IT. Saving that excess is waste. Using the excess is always profitable. Issue internal notes of debt, and do not charge interest. Allow the notes to be trade-able. Guess what? You now have your own currency.

It is best to make the notes expire… or the notes themselves will become hoarded. Defeats the purpose. The law of Moses gave every note a maximum lifespan of 50 years. Add the idea that children (under 20) cannot hold a note and you have an extreme case of 70 years.