Money is no longer created as debt by private institutions. Money is created debt free by a public body and it's benefits are aimed at society at large. For example a Hyperloop network is constructed to travel fast and without emissions in Europe and beyond. Also people have created their own currency in almost all regions to make sure the money can't be easily extracted out of the community. This regional and national money system co - operates well and is in balance with each other, people's needs and our ecological systems. Money flows around and around and is not accumulated or hoarded by anyone. People are very conscious about this and the functioning of these interdependent systems are transparant to them.