Noncredit money is the only real money. Noncredit money as a gift whose cost is zero can buy a real cost and real price. Credit money whose cost is a debt cannot buy a real cost and real price. The credit money transforms real cost and real price in nominal cost and nominal price. Nominal cost (price = real cost(price) + debt. Credit money as debt can buy out only debt. Real cost and real price cannot be sold. Credit money is never sufficient. Therefore inflation and economic crisis. Noncredit money is the necessary additional quantity of money in circulation (dM) as percentage (k) of existing quantity of money in circulation (M). dM = kM ; k = (supply - demand)/demand ; k = 5% for example.
If noncredit money as gift is emitted according to the cited formula, inflation cannot exist. Taxes and debts are annulled for the amount of noncredit money. All get the gift from noncredit money. The source of noncredit money is the growth of economic rationality. The growth of economic rationality is equal to the growth of progress of mankind. There is both national and world noncredit money. We must create both national and world order of noncredit money. Noncredit money can solve both national and world economic crisis. noncredit-money.org

The problem with reforming is most people i.e. the average person, will not believe that change is really possible because people have been trained to obey authority no matter how bad, our money system is a scam from how its artificially created to how interest is pounded down the working classes throats. Bailouts for millionaires and nothing except bankruptcy and credit counseling for the average people. And to make matters worse most people ignore the plight of others so long as they have it good.