Ah, my reading of your summary doesn't seem to match the actual proposal much at all. I read "random payments into bank accounts" as "payments into random bank

Ah, my reading of your summary doesn't seem to match the actual proposal much at all. I read "random payments into bank accounts" as "payments into random bank accounts", which I think is one reasonable interpretation but clearly not the only one. I also took "reducing private debt by..." as being a requirement on the individual payments rather than simply a goal of the program. With neither of those attributes, my analysis doesn't apply.