First of all, thanks to this author for a brilliant essay. I agree that replacing capital gains (stocks) with yield (lending) for funding businesses would be an improvement both morally and in the functioning of the economy.

I thought he (and other readers) might find interesting another option concerning ethics: "real justice," which involves no belief. (I am its author, though I do believe absolutely in God as the Creator of this Universe and all that is in it, to include human beings with our rational capacity--but my beliefs have nothing to do with real justice.)

In real justice the ethic of justice is mutual respect (of a basic kind: taking one another into account as we live our separate lives together in this world). It isn't as far-reaching as 'love one another', but it would be an improvement over eternally wrangling over self-centered 'Rights'.

Mutual respect of that kind boils down a handful of absolute prohibitions: if we are refraining from killing, harming, coercing, stealing, or manipulating (which includes lying, cheating, tricking, etc.) to get what we want, we are being 'just enough'. That disposes of moral relativism.

Still, there would be much of life that would be left to personal morality. The moral disposition of one's money would be one part of that.