Good job of noting the debt problem, making it clear it is time for the solution and I am sick and tired of it being ignored. DEBT? Indeed we have a debt problem so why the hell do we allow the banks to create all the money in the world as debt for profit?? All the holy books tell us that debt is bad because it puts someone over you. Honest economists, there have been a precious few, know that a debt free sovereign money system would solve all our problems with debt but the current system dominates academia, commerce, government, all our institutions and refuses to even consider change. Those at the top of this steaming pile of debt are all insane, cowards. As Henry Simons, author of the 1933 Chicago Plan monetary reform proposal that would have ended the depression in weeks said, "The mistake is fearing money and trusting debt." Anyone trusting debt today is a stupid minion of those who benefit from all this debt. All of that debt is due to the sin of sins, Usury, the abuse of monetary authority for personal gain, an extraordinarily efficient form of violence by which one does the most damage with the least effort. Time for debt-free sovereign money to pay off debt, you can't pay off debt with more debt which is what we've been trying to do for the last 400 years. CHANGE THE MONEY, TURN THE WORLD AROUND. monetaryalliance.org