Reverse Money Flow from the Consumer to the Banks is the way to solve the economic crisis.

If the Banks valued the reverse flow of money from the consumer back to the bank in the form of interest free debt paydowns, the economy would even out a lot sooner. Instead, the banks and the federal reserve only seem to acknowledge the outflow of credit that is putting the consumer farther and farther behind because of the interest rate charges that eat into what a consumer can actually spend.