…then it can create and distribute the money to break up that monopoly power, double everyone’s purchasing power and so the potential demand for every commercial agent’s goods and services, supercharge and make the macro-economy anti-fragile and even improve your mental stress and negative attitude about affordability. It could even enable Trump to start to redeem all of his chaos monkey anti-democracy authoritarianism…if the democrats aren’t smart enough to recognize the political power of the above personal, mathematical and temporal universe realities created by a single policy. Here’s how:

You mandate that the FED create and distribute the rebate aspect of a double entry bookkeeping policy of a 50% Discount to consumers/Rebate of the price cut back to the merchant at the various points of retail sale throughout the economy.

Voila! EVERYONE gets $100 worth of groceries or other goods or services…for $50, a $60k EV for $30k and a $500k house for $250k. But wait! This policy isn’t done benefiting everyone. What is the retail point of Finance? Why its your mortgage, insurance, automobile or other big ticket item’s monthly payment. So the 50% Discount to the consumer/Rebate back to the merchant which in this case is the bank, means the central bank pays 50% of your payment to the bank so you get that $60k EV for the equivalent monthly payment of a $15k loan and that $500k house for the equivalent payment of a $125k loan.

This is the miracle temporal universe combination of double entry bookkeeping and the reality changing conceptual phenomenon known as a paradigm change.

Model it until you see its incredibly beneficial effects for you, everyone else, the merchant and even the banks…and then vote to insist that your federal representative enact this policy and its entire conceptually aligned policy program as their first order of business thus transforming the Federal Reserve from the bail bondsman for the banks into The General Reserve and the BFF of every economic agent individual and commercial…and don’t worry, be happy and grateful for being freed from a civilization long dominating monopoly paradigm.

You’re welcome!

Steve Hummel 09/04/2026