After the near-collapse of the financial system in 2008, a growing number of people have come to realize that our monetary disease is terminal.  It is that group to whom I address this paper.  I sincerely hope that this group includes leaders in business, finance, and government.

I do not believe that my proposal herein is necessarily “realistic” (i.e. pragmatic).  There are many interest groups that may oppose it for various reasons, based on their short-sighted desire to try to continue the status quo yet a while longer.  Nevertheless, I feel that I must write and publish this paper.  To say nothing in the face of the greatest financial calamity would go against everything I believe.