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% 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.

Of course they’ll fight. The sad truth is humanity is barely civilized because despite all of our potential we’ve been culturally dominated by elites on numerous levels probably most heavily and continuously by a monopoly monetary paradigm that enforces austerity on the bulk of the populace. Changing that with a new monetary paradigm of Gifting would not only give everyone a long deep breath of economic security, but would enable them to self actualize gratitude instead of grudging confusion that leads too often to irrational religiosity instead of pursuing the actual point of religions which is graciousness.

Paradigm change is now “Plug and Play” which also means so is human temporal universe progress and personal evolution.

Steve Hummel 04/23/2026

The Copernican Cosmological paradigm change was not only the inversion of perceived reality (geo-centrism to helio-centrism), it was also the realization that geo-centrism was also a form of unbalanced narcissism/ego-centrism instead of centered graciousness/humility (aspects of grace).

Grace: The key to the integration of opposites and hence the resolution to any and every problem. Look at it until you see it, and go with it…and you’ll never put a foot wrong.

Steve Hummel 04/23/2026

Its that the concept behind every historical paradigm change has always been an aspect or aspects of the natural philosophical concept of grace. And that makes it a tremendously focusing, prompting and beneficial plug and play intellectual insight in pursuuit of the most permanently progressive human mental and temporal universe phenomenon, i.e. paradigm change…or for the resolution of any other problem one might be dealing with. Grace as in the active form of love, i.e. loving has always been recognized as the superlative spiritual, ethical and personal experience, i.e. wisdom insight, and now its aspects applied are also the way to change the world we all inhabit.

Just discover and apply the relevant aspect(s) of grace. You’re Welcome!

Steve Hummel 03/21/2026

…thats why continuing to keep one’s mind open to further analysis including most especially ethical analysis…is so important. And thats why I insist Wisdomics-Gracenomics be an ever analyzing/evolving body of knowledge.

Life and living are emergent in nature, so keep looking at it honestly moment to moment to keep it real and aligned with the natural philosophical concept behind every historical paradigm change…which is the concept of grace, and which is the biggest insight of Wisdomics-Gracenomics itself.

From the mistaken and fetishized concept of TOTAL FREEDOM to TREMENDOUSLY INCREASED FREEDOM…WITHIN KNOWN AND ENFORCEABLE BARRIERS.

This implements actual ethics, which is the rational consideration of mere black/white morals, into the economy and the money system where it has sadly been lacking under the current monetary paradigm of Debt Only as the sole form and vehicle for the creation and distribution of all new money…for the entire length of human civilization. So its long over due that we change that reality…by implementing the new paradigms of Strategic Monetary Gifting and Actual Looking instead of Mere Computing On Long Acculturated Economic, Monetary and Theoretical Religious Orthodoxy…into the economy, the money system and the theoretical framework of same.

Nice to see you addressing the need to analyze the inevitable economic consequences of AI and the monetary consequences as well. UBI/High UBI is fine and good, but the way to turbo-charge that form of Monetary Gifting would be to implement a 50% Discount/Rebate at regular consumer retail sale and also at the retail point of Finance (your monthly payment for any money financed).

As for the American acculturated bias toward the necessity of employment being a problem IMO thats probably not that relevant. Why? Because when the commercial slump caused by AI puts 70-80% of the work force out of a job the tech bros and other oligarchs, who have a well honed survival instinct, will probably quickly realize that objecting to the above forms of Monetary Gifting to half of the general populace will result in a pitch fork in the ass if not a guillotine…for them.