The economy should be quite simple. If someone spends some money, lets say $100. then their account will be $100 less and the seller's account will be $100 more.

No one should be able to remove money from someone's account without their knowledge and approval, even if they sneak it back later.

No one should be able to increase the balance in their account without a corresponding decrease in other accounts.

The present economy is so complicated because both of the above occur. 

The book, "Establishing a Natural Economy" ​

​by Roy Ireland will be available soon. 

In the mean time, I recommend "The Creature from Jekyll Island" by G. Edward Griffin: