The Rune Inspiration: Future's Market

The rune page, "Inspiration" is known as thee page for "Creative tools and rule bending", yet not everything on there feels that way. For example, Lets look at cosmic insight. You gain 5%CDR for all spells, CDR max, sum spells, and item CDR. The percentage is so small that is has little to no significance unless you're trying to stack and in order to stack in the first place, you have to rush CDR items in the first place. A better alternitave would that if you hit an ability you get a cool down % refresh for every usage that hits and can stack with previous passives that work the same you know... sorta like how ultimate hat used to work in the past. It may seem counterintuitive, but that is what a bending a rule would look like. Or another rule bender would be that you actually could stack UNIQUE passives. Anywho, I believe that I have quite a proposal for the "Future's Market" sub-rune. Instead of being able to go into debt when you buy an item you are gifted a % cirtificate for cheaper items (the percentage is up to the creators). That way, the sub-rune is actually viable for everyone and anyone rather than being for only specific champions.