because as I've said before, it's exactly the free market principles that DO apply and that can be used to end the flood of our money which now goes to the banks. Nothing is going to break those laws in their essence.
The difference is that the scenario can change so those rules get applied with different weightings. Follow along and then feel free to call bunk on whatever step you think it fails at.
A collective group of 'we' starts some businesses without any debt load or overbearing executive salary expense on them. Due to the nature of those industries, their competitors have significant debt load. This leaves nearly 50% of the sales price on the table.
Their current labor slice is 11% so they up that to 44%. The employees are very happy and work much more conscientiously. They spread word of mouth in their community, which builds to local/regional sales.
To keep customers happy too, the product price is lowered by 20%.
Through the remainder of profits left on the table, in-house financing at zero interest is begun. Also, process efficiency / automation is introduced by worker programs, not high-dollar consultants.
The last remnants (after a small hike in the owner's take) is then placed into a fund for lending to employees and their family, also at no interest. Remember, these last two are excess revenues after profits so they are considered written off with regard to the books.
No interest principles among the members of the community are encouraged and the company begins to become associated with these principles.
Local interdependency is promoted, supported and cross marketed, as opposed to being dependent on global mega-corporations or any company fueled by an interest derivative.
The total wealth leaving the community goes into a perpetual, steady dive. As this wealth surfaces in the community, it further enhances the supported principles.
Ok, hopefully I won't get the econ textbook, pavlovian responses anymore since I walked you through separated steps. Please tell me where this fails. In a nutshell, it is nothing more than a collective yet voluntary free market way to boycott anything that allows money to leave the community. By doing this, the people of the community return to the ways of a century ago before every household budget was intertwined with a bank.