Thank you for an informative and provocative exposition.

As you suggest, the problem is the system. In it we use decreased interest rates to ‘grow the economy’ (increase total output — i.e. total income —therefore employment and tax collection).

The way we supply the economy with money is the specific problem. It all entails debt. We have learned that debt grows faster than the economy (total income) does.

The solution is to supply the economy with money (as currency) in a way that does not involve debt. I came up with a way to do that. [If it matters, I do have an M.A. in economics.]

This solution can be thought of as a kind of permanent QE for (eligible) citizens rather than financial institutions. It is an income (based on the current median income) that would not be paid to everyone, but would be available for any adult (working-age or retirement-aged) citizen. The total of that income would be the supply of money (as currency) for the economy. [Its being the economic equivalent of the right to vote legitimates limiting the income to citizens — but any nation could adopt this paradigm, with the same outcomes for its citizens.]

If curious, the nuts and bolts of this paradigm are briefly summarized here in Medium (with links for more detailed expositions). It is related more to the current problem (rather polemically) here. I relate the genesis of the paradigm here. (Both of those are in Medium as well.)