Finance has dominated every other business model and the entirety of humanity for at least the last couple of centuries and probably since debt became an economic reality. Domination is unjustifiable. Furthermore Finance has usurped the communal wealth including the cultural inheritance of a nation’s productive capabilities, and prevented its distribution to its rightful inheritors, namely everyone. This begs for redress, and these two facts militate an amends program for Finance. This program will in no way abolish Finance or even prevent it from being profitable.

1) A modern debt jubilee that gives everyone 18 years of age and over $100k with the single proviso that it be used first to retire personal debt. If one eliminates their personal debts before the $100k is used or one has no personal debt then the remainder/entirety of the $100k is a gift that they may utilize for whatever purpose they so desire.

2) A monthly Dividend of $4000 is to be distributed to everyone 18 and over. $2000/mo of that dividend must be used every month to purchase/apply toward the payment of transportation and housing until one owns one car and one home outright; and perhaps also a small acreage of land upon which people eventually could build a small vacation home and/or tend the ground for food. This is resonant with the Distributist Chesterton’s motto “Three acres and a cow” and helps further distribute and decentralize life. After that their Dividend reverts to a variable figure above or below the $2000/mo total depending upon .

3) A general Discount on retail prices is to be implemented whereby participating retail merchants discount their final prices by a percentage created by placing the total costs of consumption over the total costs of production for a given (monthly) period of time. These discounts will be entirely rebated back to the participating merchants so that they can be whole on their profit margins and overhead payments. This essential policy will equate the cost of consumption and the cost of production no matter the level of consumption including the consumptive costs of the additional dividend for housing, transportation and land because the cost/price of these will inevitably be higher as the contractors, manufacturers and land owners will be making a profit.

These and other additional policies to traditional Social Credit would be meant to more completely align it with Grace as abundance and as ethics. An honest assessment of Man, who in my opinion although basically good, is inevitably flawed; and so the actions of those who are either accustomed to or intent on maintaining power despite its unethical dominating effect on the community at large should be proactively anticipated and in as gracious a way as possible prevented from becoming a contentious mess around which reactionary forces could rally. It would be a tragedy for a sparse and mere economically equilibrating dividend to trap the ever growing number of unemployed in a permanent under class, and this would inevitably be used by Finance and other colluding parties to attempt a return to the status quo.  Perhaps incentives to use savings re-investment in and for traditionally productive purposes as well as for research on more efficient use of natural resources so as to increasingly create more with less could be used to discourage rent seeking and mere financial aggregation which more directly effect the gap.

These abundance affirming policies and their consequent consumer financial restrictions on the business model of finance would enable Social Credit to more securely take root and endure, and along with perhaps other incentives to create new technologically advanced infrastructure and research on resource efficiencies would also hasten the day when the policies of Social Credit are recognized as being of obvious benefit and indispensable.  Grace is a most worthy study and the aligned integration of economics, politics, sociology, psychology, philosophy and spirituality with it can only be a solidification of a gracious future.

The more I look at the world the more I see intellectual orthodoxies of all stripes, power agendas, culturally ingrained beliefs and intentional misinformation on the systemic/mass of individuals scale,  and apathy, disinterest and even generic irrational counter intention on the individual level both of which almost inevitably will try to prevent/thwart Social Credit. Even with the heroic ethos of Grace that a diminishing number of Christians have committed to it is still too little of an actually experienced thing to even those and a nebulous concept to most. This cries out for proactive and assertive  measures, especially in the economic and monetary systems, that will make the material expression of Grace a greater and more enduring reality in the minds of the mass of individuals, and that will also enable the leisure time to make the experiences of Faith/Confidence, Hope, Love and Grace a greater personal reality as well.