It is entirely the fact that private banking wields the monopoly paradigm concept that all new money can ONLY be created and distributed AS DEBT…AND that we the people who are voters have not yet recognized this yet and then formed the mass movement to end that dominating monopoly power by strategically integrating the new reality creating idea/paradigm concept of monetary gifting so as to have a monetary and economic reformation that continually benefits everyone…even the banks.

If we can have a religious reformation begun by Martin Luther’s 95 Theses where the Roman Catholic’s monopoly paradigm of Salvation Via Roman Catholic Sacraments ONLY was broken up and created greater mental and temporal universe freedom and expansion…then we can have the same by breaking up the current monopoly monetary and economic paradigm of Debt ONLY with the policies of Strategic Monetary Grace As In Gifting including a 50% Discount/Rebate at consumer and financial retail sale, a reasonable Universal Dividend granted to everyone upon reaching the age of 18 and the rest of the policy framework of what I call Wisdomics-Gracenomics.

Let us have a Martin Luther moment and the fruits of the consequent paradigm change!

Accounting: Credit 50% Discount to Consumer, Debit back Full Rebate of Discounts to Merchant equals Mathematical Zero yet Doubling of consumer purchasing power and doubling of potential demand for every one of the merchant’s goods and services and thus painful chronic erosive inflation is transformed into beneficial deflation and the rigid orthodoxy of The Quantity Theory of Money is overturned

Philosophy: Gifting + Gifting = goodwill, integration and unity of apparently opposing self interests, greater abundance, dynamically stable systemic flow, individual joy instead of frustration, aggravation and disgruntlement

Discovery that consumer and financial retail sale are the single mandatory and universally participated in and hence the only aggregative as in macro-economic points in the entire economic process, and so they are the perfect place to implement the equilibrating yet abundance creating effects of the 50% Discount/Rebate policy at retail sale.

Enabling the Federal Reserve to fulfill what should be its actual purpose as the ultimate monetary authority which is to strategically create and distribute money in a way that benefits all economic agents individual and commercial, and that resolves the deepest and deepening problems of modern economies with a 50% Discount/Rebate policy at the various points of retail sale throughout the economic process…but does not increase indebtedness because its a GIFT of purchasing power to the individual and a reciprocal GIFT of money back to the merchant granting that discount to the individual so that the merchant is made whole on their entire price.

It also resolves chronic erosive inflation by implementing beneficial price and asset deflation with the 50% discount to the consumer because macro-economics is about aggregates, and the aggregate of EVERYONE receiving a 50% discount to virtually everything they buy and at the aggregative as in universally participated in point in the entire economic process AKA retail sale…it has actual and undeniable macro-economic effect.

And the private banks benefit also. How? Because with a 50% Discount/Rebate at retail sale and another of the policies of the new monetary paradigm like a reasonable Universal Dividend policy of say $1000/mo. when the individual reaches 18 years of age…EVERYONE is creditable which would vastly increase the market for private bankings “product”, namely new money as debt.

And it also brings the ultimate benefit to private banking which is it puts their ethics in instead of enabling them to dominate every other economic agent with their present wielding of the monopoly monetary paradigm of Debt ONLY as the sole form and vehicle for the creation and distribution of all new money.

Analogous historical example: Where the Roman Catholic Church’s monopoly paradigm of Salvation Via Roman Catholic Sacraments ONLY was broken up by The Protestant Reformation.

Steve Hummel 03/13/2026

Its Ending the present monopoly paradigm concept for the creation and distribution of all new money by integrating the new paradigm of Strategic Monetary Gifting into the Debt ONLY system with a policy of a 50% Discount/Rebate at the various points of retail sale throughout the economy, thus greatly democratizing money while simultaneously greatly increasing the demand for virtually every enterprise’s goods and services and transforming chronic erosive inflation into beneficial price and asset deflation…and then instead of waging war offering this paradigm changing policy (and the rest of its ethical and systemically stabilizing policy program) to nation states that have and/or are developing/proliferating nuclear weapons and thus de-stabilizing international order…and if they are recalcitrant then wage economic war against them instead of its violent alternative.

After all, offering a Gift elicits grace as in gratitude while death and destruction produce only long term disgruntlement.

Have Congress mandate that the central bank create and distribute the rebate money of a 50% Discount/Rebate policy at both the regular consumer and financial points of retail sale. This would dynamically fulfill the Fed’s current mandates of controlling inflation and ensuring adequate employment (which it hasn’t been able to effectively do…ever) and do it not only painlessly, but beneficially and joyously.

Steve Hummel 03/12/2026

Thats what we would have with the new monetary paradigm of Strategic Monetary Gifting with its primary policy of a 50% Discount/Rebate at retail sale because everytime anyone/everyone went to the store to buy something they could be thankful that the monetary authority pay for 50% of the price of whatever they were buying. Its imminently possible. Just visualize that and strongly suggest to your political representatives that they committ to legislating it and the rest of the new paradigm’s policy program. After all, we the vast but dwindling middle class are many and those who might oppose such a wonderful and beneficial occurance are few, and the truest of political truisms is that voters vote their pocketbooks so cynicism is not only not relevant, frankly its stupid.

…is the realization that the paradigm concept of all new paradigms is the natural philosophical concept of grace.

Why? Because then, all you have to do to accomplish a genuine paradigm change is discover the relevant aspect of the concept of grace and apply it. And new paradigms are not palliatives that are quickly gamed and overturned they are permanently progressive phenomena that invalidate old orthodoxies and establish higher and greater truths. In other words it greatly accelerates both mental and temporal universe problem resolution, and in the case of the new monetary paradigm of Strategic Monetary Gifting with its 50+% Discount/Rebate policy at retail sale it also creates a universally participated in and necessary everyday activity and opportunity to self actualize gratitude for a gift. In other words it would continually evoke and elicit a fruit of grace/graciousness, and so would not only re-inforce the greatest but mostly neglected human insight that self awareness/consciousness is a wonderful gift, it would establish a systemic way of making that insight more real…to everyone!

Addendum: But religion you say already does this. Well yes, but way, WAY too often no, because every religion has a history of deteriorating into a problematic duality that loses its focus on grace and becomes a mere enforcement mechanism for authority and control. Now that doesn’t mean practicing a religion can’t be a very, very good thing, it simply means its subject to duality/the very definition of problems (thought/counter thought, emotion/counter emotion, effort counter effort). I had a grandmother, who was disarmingly gracious by living a loving and humble life. Thats wisdom and spirituality/a true thirdness greater oneness/synthesis of duality known as a state of trinity, not just religion. Thats also why I call my book about the new monetary and economic paradigm Wisdomics-Gracenomics and hope that its implementation is serendipitously a permanent way of increasing such spirituality.

Steve Hummel 03/10/2026

…like 95+% of the bonds that fund that deficit go to the banks and the wealthy…who can afford to purchase them…and don’t really need that gift. And this is why the 50% Discount/Rebate gift of price at retail sale is so beneficial…because it benefits EVERYONE. It is in fact the very expression of economic and monetary democracy, and the greatest stabilization of capitalist economies since forever.

Which means what? That it fulfills the goals of both capitalists and socialists so its an integration of those opposite theories that effects a true thirdness greater oneness/synthesis which is the cardinal signature of historical paradigm changes. It would usher in what I call Wisdomics-Gracenomics.

Look at it, get excited about it and get on the band wagon mass movement that will inevitably herd every pol toward implementing it.

Steve Hummel 03/09/2026

That is I am an applied philosopher…because paradigms are concepts/ideas that are applied and so their aspects become our individual and temporal universe realities. Paradigms over time become anomalous, that is they don’t work the way they were discovered/designed/supposed to work, and paradigm changes are nothing more and certainly nothing less than new applied concepts/ideas that resolve the anomalies of the current paradigm of the system or systems under analysis.

My discovery, not necessarily due to such great intellect, as that discovery came about as the result of an early childhood mental decision/postulate I luckily made after an emotionally disturbing experience (hearing my mother’s reaction to finding out that her father had just died in an automobile accident) and numerous additional lucky experiences and decisions that coalesced around that postulate; was to recognize the paradigm concept behind every historical paradigm change IOW the paradigm of paradigm changes…which is the natural philosophical concept of grace…and specifically the aspects of grace known as nowness, newness and continual flowing and integrative mental and temporal universe change itself. Grace is the Nadia Comeneci of paradigms and paradigm changes, and understanding/experiencing its multitudinous aspects can lead to perfect 10’s of increase upon increase both individually and to whatever system one may chose to apply it to.

Steve Hummel 03/09/2026