Reforms are generally good efforts that are usually easily gamed and hence undone.

Paradigms are conceptual deep simplicities that are permanent progressive events that still over long periods of time develope problems that lead to the necessity to visualize a new paradigm.

Zeitgeists are even broader and longer lasting changes than paradigms in that they address and express the major ethic of an age.

The leading reforms in money and economics are MMT (Modern Monetary Theory), Public Banking, UBI (Universal Basic Income) and Steve Keen’s Modern Debt Jubilee.

All of these reforms revolve around the issues of money, debt and banks, and conceptually and policy-wise they all align with what I have posited as the new monetary and financial paradigm concept, namely Direct and Reciprocal Monetary Gifting.

The current monetary and financial paradigm is a monopolistic concept of Debt Only because debt is currently the sole form and vehicle allowed for the creation and distribution of money.

My primary policy innovation, which itself is an exact expression and temporal universe application of the new paradigm concept, is a 50% Discount/Rebate policy at the point of retail sale. This single policy enables the expression of all of the above reforms as well as many other necessary actions in and outside of economics.

The philosophical concept behind the monetary and financial paradigm is grace as in gifting.

Historically, it can be deciphered that every paradigm change has as its primary expression an aspect or aspects of the natural philosophical concept of grace. For instance, the paradigm change of humanity’s emergence from an overidding ethic of mere survival into self awareness and hence knowledge of morals and ethics, in other words awareness of ethics itself, is an expression of grace because grace is love in action and love/graciousness is heralded by all of the world’s major wisdom traditions’ as the highest state of personal consciousness. The paradigm change to Agriculture, Homesteading and Urbanization from Hunting and Gathering was characterized by increased abundance and likelihood of survival both of which are aspects and effects of grace/graciousness.

The current zeitgeist is Power, Profit and Control.

If mankind and human civilization is to finally emerge into adulthood from a troubled adolescence the new zeitgeist will be Grace as in Redeemed Power, Ethical Profits and Sovereign Yet Beneficent Control.

Conscious or even unconscious repetition is the means of self actualization of any and all experience. Ask yourself what the positive personal and social effects could be if every time everyone went to buy a car, a house or a sweet potato they were graciously gifted half of the costs of their price?

So be it.