The right
The reason changing the money system is not radical is already written into a document almost everyone accepts.
We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness. That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed. That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness.
Declaration of Independence, 1776
The founders asserted a general right: the people may alter any governing power that stops serving their safety and happiness. Nothing in that principle exempts the machinery of money. And a monetary system is a governing power. Its design determines who receives newly created purchasing power first, whose holdings hold their value and whose erode as prices move, and what share of future output is pre-committed to debt service before that output exists. A power of that size is legitimate, by the founders' own logic, only so far as it serves the governed.
It is a governing power in the fullest sense. It was created by government: legislatures chartered the central banks, authorized the borrowing, and wrote the statutes. And it is run by government: the Federal Reserve's Board of Governors are presidential appointees, confirmed by the Senate, exercising delegated state power over the nation's money. That it was established lawfully is not a defense against changing it. It is exactly what places it under the principle the founders named. When a governing power stops serving the safety and happiness of the governed, the people keep the right to alter or abolish it, and to institute in its place one that does.
None of it is inevitable. The erosion of savings, the concentration of new money, and the servicing burden carried forward are outputs of a design, not facts of nature. A design can be examined and altered. This is not one people separating from another. It is the same people reclaiming a power they delegated and stopped watching: the authority to create money.
The power
The mechanism already exists
The right is one thing; the legal means to exercise it is another. Here the news is better than most reformers assume. The authority to remake the monetary system is not in doubt, and it does not require a constitutional amendment. It requires an ordinary act of Congress, the same instrument that created the Federal Reserve in 1913 and amended it repeatedly since.
The core power sits in Article I, Section 8: Congress may coin money and regulate its value. The Supreme Court has read that power broadly. In the Legal Tender Cases of 1871 (Knox v. Lee, Parker v. Davis) it upheld Congress issuing paper money as legal tender, and in Juilliard v. Greenman (1884) it confirmed that power in peacetime, not just wartime. That line of cases is the constitutional basis of the entire modern dollar. A Citizens Standard would issue money under the very same authority. Nothing new has to be granted.
The one genuinely novel piece is distribution: routing new issuance to citizens as locked floors and dividends. That sits at the meeting point of the money power and the spending power, and the design anchors each citizen's Stable Floor as individually owned private property, vested at the citizen event and protected under the Fifth Amendment, rather than as a revocable government benefit. That distinction is deliberate, and it is what keeps a future administration from quietly clawing it back.
Settled
Whether Congress can restructure how money is created and distributed. The coinage power and the Legal Tender Cases put this beyond serious doubt. No amendment is needed.
The real question
Whether the change can be made durable, structured to survive review and resist quiet repeal. This, not authority, is where the actual legal work lives.
The honest map
Four places it will be litigated
A statutory Citizens Standard would be challenged, and the design is built with the challenges in mind rather than pretending they do not exist. The statutory paper maps four, rates each, and shows how the structure mitigates it without claiming to eliminate it.
The right exists. The power exists. What was missing was the architecture.
The Citizens Standard is that architecture: a monetary system you can run yourself, with every claim backed by code on real data. See how it works, run the engine, or read the papers and data.