Please excuse my weak understanding of money, but as I understand it money is created by the Government issuing a bond to have money printed by the Reserve and then that is distributed by the banks with interest. What I would like to know is would it be possible for money to go backwards? Instead of new dollars going to banks it would be given to all citizens equally as a type of universal income. The money would then be spent at the businesses that people shop. The businesses would put the profits into the bank. Other than the outrage of the top financiers, is my concept flawed?