You're talking about a larger scope solution than what I was talking about in the first place. You're talking about how banks should function on an article about how individuals feel and are affect by money.

Also as far as why people haven't adopted it could fall in line with the general idea of scientists explaining climate change. We've known about that problem for decades and we've only started to care about it because it's explained with more clarity and we can see the effects of it.

UBI, and living wages are something the general public can wrap their heads around. We also generally understand richer people can cause a lot of problems too. Getting into international banking regulations? You've lost a lot of people interest.