A study of Ferguson's work so closely reveals similarities between the two great minds, even in phraseology, that it is clear, as Michael Lane shows, that Ferguson was one whom Douglas drew heavily upon. Ferguson used the term social credit several years before Douglas.
Both Ferguson and Douglas were closely associated with mechanical engineering and engineering societies. Both understood that to solve an engineering problem with a machine you must understand what the machine is supposed to do, identify and correctly understand the problem, then rectify it. This is how they both, sensibly, approached the industrial-financial problem. Neither were theorists. Both professed Christianity but understood too that it had something to do with the practical aspects of the world and society and the production and financial systems. If it didn't, then it really is irrelevant, and neither believed that.