Government Deficits Are Monetary Gifts. Only Problem Is…

…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 thirdeness 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

I Am A Paradigmologist, and A Graciologist

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

Narrative Of Speech To Students

Please listen up. I’m about to show you how you can reduce your student debt by at least 50% and get $2000 worth of purchasing power every month when you reach 18 years of age for the rest of your life. Ignore any of the nay sayers or terminally orthodox who are simply unconscious of the current way money is created and just as unconscious of how that must change in order to usher in secure monetary abundanve for everyone.

So let me demonstrate the two policies that will make what I just said the reality for everyone. Can I have two of you come here and stand next to each other? Okay, You’re the retail merchant and you’re the consumer…and I’m the central bank whose two present mandates are to control inflation and promote employment. So here’s the first policy: a 50+% Discount/Rebate at retail sale. Okay so you Mr. Consumer you go and buy $100 worth of groceries and at check out the merchant gives you a 50% Discount. Then you Mr. Merchant you do what all merchants do when they post to their Sales Account except this is their Sales Discounts Account…they send me, the central bank, that account and I rebate back to the merchant every cent of the discounts they have given their consumers making them whole on their entire price. Its elementary accounting/double entry bookkeeping.

So Mr. Consumer how much did you pay for your $100 worth of groceries? $50 Thats right. And you Mr. Merchant how much money did you get for your $100 worth of merchandise? $100 Thats right.

\Now lets apply this policy with you buying a $60k EV and a $500k house and you being both the merchant and the Bank. Okay you go and agree to buy a $60k EV and the car dealer reduces his price to $30k…and then when you go to Finance you sign a contract to pay for $30k…But wait! What is the retail point of Finance? That’s right its your monthly automobile, insurance, mortgage or other big ticket item’s monthly payment…and the 50% Discount/Rebate policy is implemented there as well, so you pay for 50% of that total amount…and I, the central bank rebate the other 50% of that monthly payment back to the bank. So lets do the demo on those two points of the 50% Discount/Rebate policy. $60k discounted to $30k and merchant receives the other $30k from me, then $30k monthly payment is say $800 but you only pay $400/mo. because I pay the bank $400 every month so you get that $60k EV for the equivalent monthly payment of a $15k loan. And the same thing occurs when you buy a $500k house which is the equivalent monthly payment of a $125k loan. Yipee! Both consumer and merchant are happy and the economy potentially doubes in size so its good all the way around.

Now lets get to the next policy, the $1000/mo. universal dividend you get at age 18 and for your entire life. With that $1000 and the 50% Discount/Rebate at retail sale you can purchase $2000/mo. worth of goods and services…for life! And if you borrow to pay your tuition you’re payment is cut in half again exactly like with the EV or mortgage. Do the calculations of the purchase and finance of your tuition:

So you could pay for your college education and still have enough money to take your squeeze out to dinner and an ice cream cone a couple of times a week while you’re going to school. Nice huh?

Lots of other beneficial policies that resolve the rest of the economy’s problems and answer every objection I’ve ever heard with real world rebuttals here: https://www.amazon.com/dp/B0C49B9PX7

In Order to Experience The Greatest Freedom…

…one must accept the beatific ethical chains of graciousness. Yes, its a paradox, but to deny ethics is chaos not freedom, and to revert to the dominating attitude of gross moralism is an affront to the rational considertion of morals…which is what ethical thinking actually is.

Contemplate the relevant and multitudinous aspects of grace/graciousness in every situation and every system and you’ll never put a foot wrong.

Steve Hummel 03/08/2026

Posted To Paul Warburg’s YouTube Podcast 03/07/2026

Excellent broad analysis. IMO there is one thing more we need to do that should make most Iranians more cordial despite the war and that we didn’t do when the USSR became Russia back in the 80’s, and that is, after we’ve won the war, is to offer The Marshall Plan, nay an uber Marshall Plan to Iranians. And how do we do that? We implement a single policy that changes the current human civilization-long monetary paradigm where virtually all new money is created ONLY AS DEBT, and that policy is a 50+% Discount/Rebate policy at the various points of retail sale in the economy. That way everyone can buy $100 worth of groceries for $50, buy a $50k automobile for $25k and a $500k house for $250k…and yet with the rebate aspect of the policy the merchant in every instance gets their full price for the product or service. Voila! Everyone’s purchasing power is doubled, chronic erosive inflation is transformed into beneficial price and asset deflation and in Iranian’s point of view your worst enemy has become your best friend. Toss in that this single policy is the gretaest opportunity to self actualize gratitude for a gift since meditation and prayer. There’s an entire policy program in my book that rounds out and stabilizes the new monetary paradigm here: https://www.amazon.com/dp/B0C49B9PX7

Reciprocality: The Key and Magical But Utterly Practical Aspect and Fruit of Trinity That Elicits Relationship, Two-Way Communication, Accounting, The New Monetary Paradigm of Gifting and of Grace As In Graciousness, That Is, Loving Action

Examples of each.

The flowing of a duality/potential conflict that continually met elicits trinity/fulfillment/unity/resolution. Like a legal and economic contract.

Example of its lack or absence: “Where are your papers mother fucker!”

Why The 50+% Discount/Rebate At Retail Sale Is A Trinity/Signature Of Every Historical Paradigm Change

Because it resolves the normal conflict of interest between merchant and consumer into a synthesis/Thirdness Greater Oneness Solution that benefits both equally. How? By mathematically doubling the potential purchasing power of every consumer while simutaneously doubling the potential demand for every merchant’s goods and services. In other words its “all good”…for every agent (except perhaps for monopoly enterprise, although they’ll benefit by the increased demand also…even though they’ll have to give up their dominating control…which is actually a benefit because transitioning from the out-ethic state of domination to competitive and yet genuinely of good will toward the consumer…is probably the greatest benefit. Just ask the Roman Catholic Church which benefitted thusly after The Protestant Reformation.