To solve all this problem just do one thing avoid black money by using two methods one all gold should be made government property as in usa and goverment can give bonds in return for gold surrenderd second land should be based on use that is if it is agricultural land it should be used for that purpose and it is industries it should be used for that purpose within the time frame otherwise it goes back to the government this avoids black money saved in gold and land thus ensuring availability of cheap capatial