One idea I've had for reform is to ban central banks from inventing new currency except to pay every citizen a UBI debt free, and only tax limited liability entities (not humans). This would give citizens, instead of borrowers, first spend on new money and orient limited liability entities to serving citizens in the market to get their taxed revenues. It would also be a boon for financial privacy and reduce the burden on the average man.

I'm not so jazzed on state-issued UBI myself. It makes the state feel like they're special and I think that leads to bad behavior.

We should use money issued by the most trustworthy entity around, whatever it may be at the time, and the state should have to compete for that spot.