easy

so easy, Hyman Minsky, then Anyone can create money, that's easy, the hard part is getting others to accept it (IOUs as notes of claim, hard to pass on at "face" value, so held, at risk, so unstable, so uncommon)

***** and now mutual issue, common commitments are easy on-line accounts / mobile apps supports mutual acceptance and circulation HM would have liked the change

and so deliverable

****** so easy, even a bank can do it the banks can do this and help us all out of this mess and will find it worthwhile (but not needed, if they don't want to play, no problem)

so, a theory of change