Although you have so far demonstrated little faith in my ability to pay, I yet hope to demonstrate that I am somebody who pays his debts-for example, to you.
Put God in your debt. Every stroke shall be repaid. The longer the payment is with-held, the better for you; for compound interest on compound interest is the rate and usage of this exchequer.
We may end up with a world based more on equity than debt, or more on market debt instruments than bank intermediation; but how and why we get there is a mystery. Absent significant regulatory or tax changes, and a sharp transition could be disruptive.