Thank you for your comments on the article on Reciprocity that led me here. I have had trouble explaining the problem and the "obvious" solution of arranging social agreements so we eliminate usury both as interest and as corporate profits. We do this by sharing interest and profits. The solution becomes obvious when we use a tool to model complex adaptive systems. Here is a very simple crude and not well written description of a NetLogo model that shows what happens when we get rid of interest with a few simple book-keeping changes. https://medium.com/@kevin-34708/capitalism-that-cares-and-shares-76401ee1a447 - Housing becomes affordable.