It would separate two forms of money: the common form of money used as means of exchange and a store of value; and, the debt/credit money created out of thin ai

It would separate two forms of money: the common form of money used as means of exchange and a store of value; and, the debt/credit money created out of thin air through a contract and collateral. The two currencies would float against one another. People would be paid in common currency, but could borrow in the debt currency.