…the central bank is god. Which means it can create as much money as is necessary to fulfill an economic contract or resolve a problem. A classic example of this is how the central bank bailed out the banks in the GFC (Great Financial Crisis) in 2008. The problem however is the private banks have usurped its omnipotence with their destabilizing monopoly paradigm that new money can only be created and distributed as debt. Let me make it clear, I’m not saying we should only create new money as a gift. That would simply be creating a new monopoly concept of Gifting Only. I’m saying we should balance the nature of money creation and its distribution with both debt and gifting, specifically with policies of a 50% Discount/Rebate at the various points of payment/retail sale throughout the economic process. This would result in much greater economic stability, profitability and democracy.

Monopoly paradigms being dominating, destabilizing and problematic cannot be ethically justified as The Protestant Reformation showed us…full stop. Calling Strategic Monetary Gifting communism is demagogic bull shit because doubling everyone’s purchasing power and simultaneously the potential demand for every merchant’s goods and services, transforming chronic erosive inflation into beneficial price and asset deflation and lifting the emotional tone of the general populace which is inexorably pinned to participating in a painful economy from despair and anger to gratitude for a gift is a funny kind of totalitarianism…full stop.

Let god do his work with the 50% Discount/Rebate policies at retail sale throughout the economy and there will be “joy in the morning.”

Steve Hummel 09/05/2026