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Right now the vast majority of money printing is being given to banks and then placed right back into the Fed and earning interest for those same banks.

Just look at the M2 monetary velocity[1]. It fell off a cliff in 1997 and never really recovered. It's now at an all-time low. For all intents and purposes we're operating on a light version of MMT.

[1] https://fred.stlouisfed.org/series/M2V




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