Thanks for taking time to read and respond Jim … and for the opportunity to clarify. The CUBI dollars are intended to *complement*, not entirely replace Fed dollars. Employees and general consumers would continue to use both currencies. Remember, the CUBI bucks are only $1000/mo or so, and would be for basics — food, clothing, household items, personal services, etc. — and perhaps for larger expenses if the merchants or landlords are open-minded. Existing debt obligations would continue to be serviced as they are now (again, unless the debt-holder is accepting of the new system).