[EastLondonCoder]

So currently most money gets created when a back offers a loan, how and much is decided by the central bank. The thinking behind the current system is that easier access to credit will increase productive investments and grow the economy, hopefully to offset the inflation incurred by the increase in the money supply.

I agree its a quite blunt instrument, things like mortgages for houses doesn't really tend to grow the economy.

But its a hard problem, personally I would like to see some tinkering with helicopter drops