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Tax cash with a holding tax of 10% per year and forbid charging interest rates above zero on loans:
* it will be attractive to lend out money at zero or negative interest rates as you don't have to pay the tax in this way;
* the holding tax encourages spending positive balances so there is no need for more debt;
* the holding tax can help to end financial crises because keeping liquidity is expensive;
* the maximum interest rate curbs reckless lending because there is no reward for taking excessive risk;
* the maximum interest rate stabilises the economy by reducing credit during a boom and increasing credit during a slowdown;
* there can be stable economic growth without crises so there is no need for government and central bank intervention.
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