Factoring could certainly be the butterfly of the economic storm. The pile of debt on which the economy exists is inherently unstable. That debt makes the economy a catastrophe of monumental proportions waiting to happen. Given that the central bank and the central government are already doing almost all they possibly can do to stave off disaster, the next crisis could be the last for our nation as we know it; the collapse of the economy could very well take the existing institutional structure down with it.
Fortunately, a solution exists: “A Truly Great Idea,” published in Data Driven Investor here in Medium (with links at the end of it for further reading).