Money conveys trust, using a note worth less than the value of trust transferred. Hence the real cost of money is the promissory value depicted on the note (bills or otherwise) not living up to the promise of our evolutionary strengthening and thus incurs the loss of public trust.
Our financial systems (11 times the size of production here in the US) are awash with complex and opaque distributions, in which the assessment of the promised value of trust becomes hard to decipher and is diversified into oblivion. Years of financial engineering later, and the value of trust seldom meets the value of the note transferred. Many of us pay the price for the difference between valuation and value.
The point is, the way we build our financial systems is fundamentally flawed, as flawed as many other systems, failing because of the same causal reasons. They are in blatant violation of the most rudimentary principles of freedom (not just lacking transparency) and thus fail to secure a meritocracy that holds the renewable value of trust to account. Trust aligned with the contribution of value to the evolution of humanity that is. Hence, the real cost of money brings evolutionary deceit instead.
But we can fix all this by reinventing the systems of humanity around eight new fundamental principles I will introduce in my book. Not with a scorched-earth approach, but infusing those principles into one system at a time.