British engineer C.H. Douglas explained the chronic gap in developed economies between GDP and national income, which meant that society never had enough money to purchase what their economies were able to produce. The system of Keynesian economics was developed to address the problem through government borrowing. But all this accomplished was to ‘kick the can down the road’ by creating debt that eventually had to be paid off, usually through war or hyperinflation…
The banking system existed to fill the GDP-income gap […] the debt it created in doing so led to massive profits for the banks but ruin for the nation at large.

Of course we are all responsible for working to earn a living. But the system should assure that people can earn enough that they can live decently and respectably as well as save for the future. Naturally, the work of some will support the lesser financial contributions of others, but this is part of life. If people are dissatisfied with their opportunities for work they should be free to seek elsewhere or be able to improve their skills so as to earn more. But all of this requires a monetary system that supports individual freedom and initiative. We do not have such a system today. What we have is debt slavery where the 1% make out like bandits and the 99% struggle to survive. Such a system also promotes crime and war, where people and nations feel they must steal from their neighbour in order to get by.