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 Churches monopoly paradigm of Salvation Via Roman Catholic Sacraments ONLY was broken up by The Protestant Reformation.

Steve Hummel 03/13/2026