[NorthernSanctuary]

Sorry guys but any kind of money or barter or any system will almost always leave someone out in the cold or in debt.

True, but I don't see that the sole cause of this is money. Create a system where people have security and abundance, than money will lose its appeal naturally. In a historical account of Lumeria, people used to bring flowers to the market place, and leave it there for anyone to take.

There's no doubt that when the system collapses, the priorities will change. The need to wipe your rear end is still there, but you'll have to use leaves instead; some would consider this a drop if not in the quality of life, certainly in convenience.

The negative interest would help to get us off of the money obsession so people don't hoard "wealth", but the key practical problem is satisfying people with their need for security with their physical existence in a society as a whole. Then the sharing of "wealth" will happen naturally with a spiritual based society, and money would slowly disappear. This present society is managed to focus on scarcity, and the idea that you can never have too much, so even rich people work like crazy to make more money for its own sake.