Why? Because macro-economics is about aggregates as in totalities, and because EVERYONE must and does participate in regular consumer retail sale, and EVERYONE who borrows money participates in financial retail sale which is one’s mortgage, automobile, insurance or other big ticket item’s monthly payment…and so the beneficial effects of any policy at those points ipso facto scales to the totality of its economic effects. And that is why the 50% Discount/Rebate policy at retail sale is a paradigm change in a single policy.

Steve Hummel 05/15/2026

Refusal to look is also a deadly orthodoxy. Like for instance insisting on only systemic and mathematical analysis, both of which are completely valid means of looking/analyzing of course. The deepest means of looking though is conceptual/paradigmatic analysis because it enlightens one to what ideas are creating and enforcing both mental and temporal universe realities…that the analyst is likely missing because those ideas are so long acculturated that one is completely unconscious of them or seems illogical and even unscientific.

Why? Because uniting monetary self interests allows for competition, but also fosters cooperation, universal agent participation via universal agent benefit, enables rational action where resistance to necessary change has been the norm. And probably most importantly the wild benefits of this single policy means that opposing it by politicians is the kiss of death for them. Why? Because what individual wouldn’t like having their purchasing power immdiately doubled by being able to buy $100 worth of goods and services…for only $50, and yet with the rebate aspect of the policy the merchant gets their full price and thus the doubling of potential demand for every one of their goods and services??? Its a win/win for both sides of the economic calculus. And when applied at the retail point of finance even the banks will not be able to oppose it because with the government or the central bank paying 50% of everyone’s mortgage, auto loan, insurance or other big ticket item’s monthly payment (and of course the aligned policy of a UBI/UHI…EVERYONE is now creditable, so the market for the banks’ “product” is vastly increased even if the price of a $60k EV is only $30k at regular consumer retail sale and a $500k house is only $250k. Finally, the banks actually benefit the most because instead of unethically wielding a monopoly monetary paradigm of Debt Only their ethics are “put in” exactly like the way the last monopoly paradigm we dealt with did which was ending the Roman Catholic’s monopoly paradigm of Salvation Via Roman Catholic Sacraments Only.

But remember, 9.9 is actually perfect and a 10 is imperfectly perfect, in other words the integration of opposites which is the ultimate personal wisdom of continuous emergent newness, nowness and accepting conscious flow as in gracefulness.

Steve Hummel 05/09/2026

Paradigms are applied concepts that create and re-inforce mental and temporal universe realities. The beneficial effects of every historical new paradigm have always been an aspect or aspects of the natural philosophical concept of grace. This insight means that all one has to do to discover a new paradigm is to find the relevant aspect of the word and concept of grace…and find the most efficacious ways to apply it AND YOU’VE CHANGED BOTH YOURSELF AND THE WORLD….AND ITS COMPLETELY “PLUG AND PLAY”.

Paradigm changes are small and big, or a better description of the phenomenon is powerful and mega-powerful. The latter is a change that is universally and continuously experienced, whose benefits spill over into multiple systems, bodies of knowledge and areas of human endeavor and even has serendipitous/surprisingly unexpected benefits seemingly not even relavant to the primary area originally under paradigmatic analysis. The new monetary paradigm of Startegic Monetary Gifting is an example of such a paradigm change.

Steve Hummel 05/08/2026

The way forward is changing the energy paradigm from Terra & Petroleum Only to Off Planet and Cosmic as in zero point energy or at least pre-dominantly solar.

And the way to get action on these necessary changes is to integrate Monetary Gifting into the present monetary paradigm of Debt Only with strategic policies that will help maintain social cohesion and security during the increasingly dark interum period like:

1) a 50% Discount/Rebate at retail sale; and

2) to fund and focus rational action a required “tax” of gifted purchasing power, in other words a Gift of guaranteed investment, into Eco-Energy R & D Treasury bonds at attractive rates.

The self actualization of graciousness, that is love and so loving action/behavior. Full stop.

So, no matter whether you believe in Jesus, Guatama, Krishna, The Thetan or the great god mugjub who lives up the yap-yap river, any doctrine that distracts, detracts, denies or destroys that purpose is a missing of the mark. Love/loving is truly the fulfillment of the law.

And a final point: This means that right along with personal graciousness making our various and sundry systems, bodies of knowledge and areas of human endeavor align with and assist in creating graciousness with their policies, their pursuits of truth and their elicitations…the goal and point of creating a better temporal universe.

Steve Hummel 05/04/2026

No argument with your two dictums regarding the key role of energy, However, the key to finding a new source of energy that doesn’t just exacerbate the already looming problem of global warming is to find a sufficient means of funding research into the virtually unlimited and possibly non-warming zero point energy. The way to do that is to implement Monetary Gifting at retail sale and then “tax” part of the 100% increase in purchasing power of the 50% Discount/Rebate policy at retail sale IOW gift everyone with a free investment in eco-energy R & D treasury bonds at an attractive rate…to find the way to that technology. Energy is key to productivity, but money is key to action, or in the present monetary paradigm of Debt Only…inaction.

And finally, the signatures of historical paradigm changes are complete conceptual opposition and total inversion of present temporal universe realities for instance geo-centrism to helio-centrism. In the case of the monetary paradigm its from chronic erosive inflation and monetary austerity to secure beneficial increased relative monetary/purchasing power abundance and viz the energy paradigm its from finite dirty temporal universe energy to clean virtually infinite and quantum/cosmic energy sourcing.

We are headed toward a crisis. No disagreement about that. Full stop. However I disagree that money, specifically a change in the monetary paradigm for the creation and distribution of new money which is Debt ONLY is not that relevant. Money is what enables change, and its lack is also the biggest factor…in what doesn’t change or get done. The current monetary paradigm for the creation and distribution of all new money is perfectly analogous to the Roman Catholic church’s MONOPOLY paradigm before the Reformation which was Salvation Via Roman Catholic Sacraments ONLY. The word ONLY designates it as a monopoly paradigm. We need strategically distributed Monetary Gifting to not only resolve the biggest problems of modern economies (chronic austerity of individual demand and chronic erosive inflation), but to also insure monetary and hence economic security (not necessarily much greater abundance) during the converging crises ahead so as to head off and modulate the social, political and psychological chaos likely to occur until we can find the better alternative to petroleum and find a way to off-planet the dirtiest forms of production especially energy production. You accomplish social stability by a policy of a 50% Discount/Rebate at regular consumer retail sale and also the retail point of finance which is one’s automobile, mortgage, insurance or other big ticket item’s monthly payment. That single policy at regular consumer retail sale doubles everyone’s purchasing power and with the same policy at Finance’s retail sale reduces the price/cost of big ticket items by 75%. The biggest effect of these policies however isn’t even economic or monetary, but rather psychological in that they are the greatest opportunity for people to self actualize gratitude for a gift…since meditation and prayer. In other words a way to universally transform deadly social chaos into the greatest aspect of the natural philosophical concept of grace. As an aside and if one cares to historically examine it, it becomes clear that the beneficial effects of every historical paradigm change have always been an aspect or aspects of the natural philosophical concept of grace. But back to the present analysis of the coming crises, as I said the increase in purchasing power isn’t for more abundance as in greed or profligate consumption, but rather for security. Now a 100% increase in purchasing power from the above policy doesn’t ipso facto mean a 100% increase in consumption, but a second policy of a sliding scale percentage “tax” of Gifted income into eco-energy R & D treasury bonds in other words a gift of guaranteed investment at say 5-6% would mitigate consumption even more, and could fund the necessary rational action path toward finding the way to extract zero-point energy and hence the simplification and resolution of the primary problem you describe.

The way to end inflation is to recognize the power and potential mathematical and macro-economic effect of what you’ve (correctly) long pointed out about how money is created, namely the double entry bookkeeping operations of equal debits and credits that sum to zero…at the strategic points of regular consumer and financial retail sale. So with a policy of a 50% Discount/credit Rebate (debit) policy at retail sale everyone gets $100 worth of groceries or other goods and services…for $50, and then with the rebate/debit created and distributed by the central bank back to the merchant granting the consumer the 50% discount they get their full price. The effect is transformation of chronic erosive inflation into beneficial price and asset deflation. Apply this same policy at the point of financial retail sale (one’s monthly mortgage, automobile, insurance or other big ticket item’s monthly payment) and the consumer who just bought a $500k house for $250k gets 50% of their monthly payment paid by the central bank to the private bank so the consumer gets that $500k house for the equivalent payment of a $125k loan. So you integrate the normally opposed self interests of merchant and consumer, out capitalism the capitalist and out socialism the socialists, turn the Calvinist libertarian punitive wet dream of deflation into the the greatest opportunity for EVERYONE to self actualize gratitude for a gift…into a temporal universe activity that EVERYONE must and does participate in (purchasing something in the economy).

Wisdomics-Gracenomics: The next mega-paradigm change.