Most macroeconomic formulas don't include an idea of what a person would actually do with their money – they assume that individuals will behave according to the formula. Yet, the fact is that individuals are much more creative and inventive than we think.
The reality is that macro-economic formulas actually lead to some pretty bad decisions. They have the result of creating money that will never be used by any individual who has no idea what the formula requires. They have the result of destroying wealth in order to create more, and they also have the result of causing the collapse of our economy.
The reason these economic models fail is because they have the result of forcing individuals to act in ways that may not be in their best interests. If you read some of the macro-economic formulas that are used, you will quickly see that the formulas require the person to spend money on things that the individual wouldn't normally be spending money on.
If a person is forced to go to work for someone else, and they have to pay taxes, then it is not really worth doing because the macro economic formulas have made this impossible. The individual would have no choice but to buy things that are more expensive and the same amount of money would be wasted.
Even if the person did get paid, they would have to spend more than the income that was earned because the macro economic formulas dictate that they must. In other words, the macro economic formulas cause a person to get more money than they actually earn, and they end up paying back less in taxes. This is a huge problem, because many times an individual does not realize how much they are actually contributing to the tax burden until it's too late.
One way to avoid all of this is to always use something called a dynamic scoring model – a system that takes the macro economic formulas and produces an entirely different set of results for individuals. This type of model uses a number of statistical factors in order to arrive at a completely different set of conclusions and it is the only system that will produce the exact same results for each person.
Therefore, when you go out and choose which type of model to use, you have the ability to take a look at the differences between your macro economic formulas and the micro-economic formulas. You will see that when you use a macro economic model you are allowing yourself to lose money, whereas when you use a micro-economic model you can create an income that is greater than what you currently have.
Remember, it is not necessarily the government or banks that make the rules, but rather individuals with their own personal goals that need to make their own decisions. There is no need to use any of the macro economic formulas, especially if they are not being used in your favor.