And basically personally ignore any orthodox objections to it, while rebutting them with the temporal universe beneficial effects FOR EVERYONE…until they see it and that its in their interests as well.

Steve Hummel 07/18/2026

The commercial agent must agree not to inflate more than 2% per annum (the 50% Discount is actually a permanent 52%, and is also indexed to an honest evaluation of actual monthly inflation), and include and maintain any present discounts on their products and services.

Commercial agents get real: The days of deception, fraud and theoretical total freedom, i.e. the chaos of no actual and enforceable barriers, especially ethical barriers, is a contradiction in an economy enfused with grace as in Gifting.

MSRP (Manufacturer’s Suggested Retail Price) is not an actual economic “suggestion”, but rather a necessity because without it very, very few individuals could afford to buy an automobile or re-sell goods and services that previously failed to sell due to price or over production.

However, these discounts must continue because their elimination would be a misalignment with the new monetary paradigm concept of Gifting as well as a blunting of the very resolving effect of the primary policy of the new paradigm, namely the 50% Discount/Rebate at retail sale.

Steve Hummel 07/18/2026

Ask yourself this: Why did Marx’s revolt of the bourgeosie never happen? Answer: He and socialists did not recognize the deepest problem that needed to be solved so that the self interests of the merchant class and the individual agent were united…and where, when and how to implement that solution

In the words of my former senator from Illinois Dich Durbin once said regarding congress: “Finance owns the joint.” This expresses our deepest economic problem which is Finance’s present wielding of the monopoly monetary paradigm concept of Debt Only as the sole form and vehicle for the creation and distribution of all new money.

The primary policy of Wisdomics-Gracenomics, the 50% Discount/Rebate at the various points of retail sale (utilizing fiat money and digital technology which did not exist when Marx was alive) unites the self interests of both individual and commercial agents by simultaneously doubling the purchasing power of the individual agent and also doubling the potential demand for every one of the commercial agent’s goods and services. This integration of opposite self interests so as to resolve the deepest problems/anomalies of the current paradigm is the very signature of historical paradigm changes.

The 50% Discount/Rebate policy at the various points of retail sale including the retail point of Finance (one’s mortgage, automobile, insurance or other big ticket item’s monthly payment) is the end of the rule of Finance and the beginning of the individual’s greater monetary and economic democracy and enterprise’s increased profitability that I have coined as Wisdomics-Gracenomics.

Individuals and enterprise Unite! All you have to lose are your chains!

Steve Hummel 07/18/2026

At the very least the beginning of the end of humanity’s bloody and inhumane odyssey with self awareness/morals/duality.

Steve Hummel 07/17/2026

Because paradigm changes are changes in ENTIRE patterns/Entire systems…and because EVERYONE must and does participate in retail sale the beneficial effects of this single policy instantaneously implement a monetary and economic paradigm change.

Steve Hummel 07/17/2026

Make it clear to every politician that you will not vote for them unless they immediately legislate a 50% Discount/Rebate policy at the various points of retail sale as well as the entire new monetary and economic paradigm change policy program known as Wisdomics-Gracenomics…and that you’ll vote to immediately recall them if they alter, falter or fail to immediately do so.

Democrats and Republicans Unite! You have nothing to lose but your chains!

Great post Ellen. My only concern is crypto/block chain could be a way to obscure large financial movements that the oligarchy might use to maintain their dominance and prevent competition and rational action toward discovering new sources of energy and ways of preserving the planetary ecology. The libertarian obsession with privacy and their fetishized concept of TOTAL market freedom, read the chaos of no actually enforceable barriers needs to be guarded against. Indeed preventing that is a small d democratic necessity.

We need a Wisdomics-Gracenomics because wisdom always has ethical content because ethics are the rational consideration of mere/gross moralisms like TOTALLY “free” market theoretics. Grace/graciousness as in monetary gifting with a UHBI…and a 50% Discount/Rebate at regular consumer retail sale and also the retail point of finance strategically democratizes the necessity of monetary gifting that AI will create because everyone must and does participate in retail sale.

Instead of a Federal Reserve that basically funds Finance’s monopoly paradigm of Debt Only we need a General Reserve to fund the government and every individual agent as well as every other commercial agent and so keep the economy from imploding as AI destroys a high percentage of jobs…and that of course still funds Finance sans their monopoly monetary paradigm. This new charter plus a 50% Discount/Rebate policy at retail sale resolves inflation by implementing beneficial price and assert deflation, doubles everyone’s purchasing power and the potential demand for every enterprise’s goods and services and even wildly benefits Finance as it could quadruple the market for their “product”, stabilize their de-stabilizing monopoly monetary paradigm and in actual fact benefit them the most because it will enable them to FINALLY get their ethics in instead of out because of their wielding of their present dominating paradigm for the creation and distribution (Debt Only above). wisdomicsblog.com https://www.amazon.com/Wisdomics-Gracenomics-New-Monetary-Paradigm-Policies/dp/B08X7MZ4KH/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1552358772&sr=1-1-catcorr

Also, if everyone has an account at the central bank then everyone is eligible to receive reserves and buy on the primary and secondary markets. So if the government passed a policy of requiring a sliding scale percentage of utilized gifted purchasing power be “taxed” into 5-6% Eco-Energy R & D bonds at an attractive rate of say 5-6% (with inflation being turned into beneficial deflation by the 50% Discount/Rebate at retail sale there is no need or reason for the central bank to raise or lower interest rates) this policy could mitigate excessive increase in consumption while still benefiting the individual as this “tax” is actually a gift of a guaranteed investment. It would also be a way of creating rational action for energy discovery and innovation.

Corallary: If you don’t analyze conceptually/philosophically you’ll never discover a new paradigm and hence you’ll never be able to visualize/advocate for anything other than palliative reforms instead of the permanently progressive phenomemon known in fact as a paradigm change.

Indeed, including the biggest, most problematic and destabilizing one which is Finance’s monopoly paradigm for the creation and distribution of all new money AKA Debt Only. Intelligently integrate the new paradigm of Monetary Gifting into the Debt Only system with a policy of a 50% Discount/Rebate at regular consumer retail sale and financial retail sale which is one’s mortgage, automobile, insurance or other big ticket item and you’ll also integrate the goals of both capitalism (profitability) and socialism (economic democracy). The 50% Discount/Rebate policy aligns with MMT’s and Dr. Keen’s insight that modern money is created with double entry bookkeeping’s operations of equal debits and credits that sum to zero. It also aligns with UBI and government deficits which indeed are also monetary gifts. It individuates and supercharges their effects.

Finally, if we’re smart enough to consciously react to its gifting effects, its serendipitously an integration of spirituality into the economic and monetary systems as its the greatest opportunity to self actualize gratitude for a gift since meditation and prayer…rather than being forced into grudging resentment and the modern intellectual disease of cynicism which stops proactive action before it even begins. This final unanticipated integrative effect makes it a mega-paradigm change approaching a change in zeitgiest which is the rarest and most progressive historical phenomenon in human history.

wisdomicsblog.com