The FED is the ultimate monetary authority and so also the ultimate creator of money. It has bailed out banks and other financial agents many times since its inception and it is time to make it The General Reserve by mandating it to create and distribute the monies of the 50% Discount/Rebate policies of the new monetary and economic mega-paradigm change.

This is the urgent job of all legislators on both sides of the aisle, and the pharisees/economic pundits and theorists and banks/other financial agents/oligarchs/powerful wielders of the present paradigm need to bow to that and the obvious benefits of Wisdomics-Gracenomics.

Get it and do it with post haste.

Regular Consumer Retail Sale: $100 worth of goods or services for $50

Financial Retail Sale: Your mortgage, insurance, automobile or other big ticket item’s monthly payment which means the $500k house you got a 50% Discount down to $250k at the home builder/seller the central bank pays 50% of your bank loan’s monthly payment…to the bank and so you get a $500k house for the equivalent payment of a $125k loan.

State and Local Government Sales Taxes: As state and local governments and their taxes are non-sovereign and cannot be created by themselves and as they are included in every regular consumer purchase that means 50% of their costs are reduced to the consumer and with the almost inevitable increase in consumption because of the doubling of everyone’s purchasing power the revenues of those governments will undoubtedly increase as well.

Federal Government Taxes and Deficit Payment Point of Retail Sale: Currently the US Treasury must tax US economic agents individual and commercial to fund the government, and float treasury bonds to fund any deficit. Mandating that the central bank fund 50% of the federal budget with a 50% Discount to tax payers/Rebate back to the Treasury policy cuts the taxes individual and commercial agents need to pay for the government’s budget by half and likely eliminates any deficit as well, so then no need to float treasury bonds to cover it.

Charity/Philanthropy Point of Retail Sale…With a 100% Price Increase/50% Rebate Policy: The gracious benefits of charity and philanthropy of a $38/mo. contribution to the ASPCA etc. etc. only costs one the normal $19 and so the total contributions, benefits and virtues of charity/philanthropy/graciousness are potentially doubled.

IOW the integrative, thoroughly unitary and continuous thirdness of duality/opposites in this instance of capitalism and socialism into a Wisdomics-Gracenomics.

Its also the christian, islamist, hindu, the great god mugjub who lives up the yap yap river and even the quasi-religious ideology of scientism’s intention because grace as in the unitary state of love, loving intention and action is universally considered the peak experience of all of these, the the intellectual process of wisdom itself and the sanest purpose the individual can pursue as well.

Its the next step toward the mega-paradigm change of a culture of Gracientialism because it will transform the problematic human temporal universe systems of economics and finance that everyone must and does participate in into the greatest opportunity to self actualize grace as in gratitude for a reciprocal gift of price, purchasing power and demand for every merchant’s goods and services since the development of meditation and prayer…with a policy of a 50% Discount/Rebate at the various points of retail sale in the economy.

And you don’t even have to chant the right name…just go to the store and buy something. Its serendipity, synchronicity and spirituality all wrapped up in a single economic policy.

Steve Hummel 08/30/2026

And likewise its an absurd misunderstanding and actually arrogance to deny the gifted benefits of the new monetary paradigm created by the 50% Discount/Rebate at retail sale, and the rest of the new paradigm policy program.

Do not be deceived.

Steve Hummel 08/27/2026

…so why don’t we do the same to break up the present monopoly monetary paradigm of Debt Only with a 50% Discount/Rebate policy at the various points of retail sale? Its a tremendously unconscious and mistaken oversight considering that such a tool and policy resolves the deepest problems and anomalies of modern economic systems like chronic price and asset inflation, chronic austerity of monetary/purchasing power and so demand for virtually all goods and services and the human civilization-long rule of humanity by Finance. It doesn’t make sense to not implement this solution when you can simply model its multiple systemic and individual beneficial effects.

Get outside of the box of the present monopoly monetary and economic paradigm concept for the creation and distribution of all new money which is Debt Only, and we will have arrived at the probably only the fourth mega-paradigm change in human history. And that doesn’t even measure the new paradigm’s social, psychological and spiritual benefits like how it makes participating in the economy the greatest opportunity to self actualize grace as in gratitude for a gift…since meditation and prayer.

So be it.

Steve Hummel

It not only makes everyone creditable, but also makes them anxious to borrow, which a large percentage of individuals being afflicted by unaffordability cannot justify doing, thus greatly increasing the market for Banking’s product, namely debt.

And by having the central bank simply create and distribute, debt free, 50% of everyone’s mortgage, insurance, automobile and other big ticket item’s monthly payment it makes the central bank the best friend forever of everybody including the banks…not just the bail bondsman for the banks when inflation and the monopoly paradigm for the creation and distribution of all new money known as Debt Only…which the banks wield…serially and historically has destabilized domestic economies.

Thus The Federal Reserve becomes The General Reserve.

Steve Hummel 08/27/2026

At base, humanity’s applied ideas also known as paradigms are what creates and shapes our realities both mentally and temporally. This makes them integrative resolutions of opposites/dualities/problems which is also the very intellectual process and effect of what has always been known as wisdom. Wise because its a program of resolving integration of the opposites of cost/debt/price with strategic monetary and economic grace as in Gifting (opposites) at the various equally strategic temporal points of retail sale throughout the economy utilizing the abstract trinitarian effecting tool of double entry bookkeeping (opposites).

This insight and application is what I refer to as Wisdomics-Gracenomics. It is a new integrative paradigm program of direct and reciprocally Gifted purchasing power/monetary distributism that resolves the present monopoly paradigm for the creation and distribution of all new money also known as Debt Only.

Steve Hummel 08/27/2026

Because its a universally participated in beneficial reciprocality…as in a caring relationship utilizing the reciprocal tool of accounting’s trinitarian formula of equal 1) debits and 2) credits that 3) sum to zero at retail sale which is the very purpose point of economics as in monetary profit from exchange.

Reciprocality/a caring mutually beneficial relationship is a primary aspect of the concept and experience of grace, and that fact is the enlightening and empowering “thing” behind every historical new applied idea/paradigm.

Addendum: Virtually all present discounts are fraudulent in that there is no market for the claimed price before the discount is applied due to the actual austerity of demand. That is why all present discounts must be applied before being eligible for the potent economic and monetary reciprocal nature of the 50% Discount/Rebate at retail sale.