Another excellent exegesis. I suggest two watch words may be 1) trinity as in an integrative inclusional thirdness greater oneness of seeming unresolvable opposites IOW all realities are real but syntheses are more real because they include the apparent opposites, and 2) Wisdom because Wisdom is the very intellectual process of integrating opposites.

Also, why not make CONSCIOUSLY self actualizing probably the greatest personal experience of Wisdom, gratitude, by making something everyone must and does participate in like retail sale, by implementing a policy of a 50% Discount/Rebate at retail sale? That way we can transform being disgusted by saying: Damn! Oreos just went up 10% into Thank you Mr. Merchant and Mr and Ms. politician for finally integrating monetary gifting into the monopoly paradigm for the creation and distribution of all new money which is Debt Only?

All completely true, and thats why a 50% Discount/Rebate policy at regular consumer retail sale and also at the retail point of Finance, namely one’s mortgage, insurance, automobile or other big ticket item’s monthly payment is the solution to dispelling the delusion regarding the “national debt” et all. Why? Because if you can buy $100 worth of groceries or other goods and services for only $50 you’ve transformed chronic erosive inflation into beneficial price and asset deflation which also means it accomplishes one of the two supposed mandates for the central bank, i.e. controlling inflation. It also accomplishes its second mandate which is to encourage full employment as lots of money/purchasing power in the hands of the individual and simultaneous price and asset deflation (although the merchant gets their full price with the rebate aspect of the policy) is the textbook definition of good economic times. It makes the central bank the BFF of the individual and the commercial agent instead of the docile deceived slave of the civilization-long monopoly paradigm for the creation and distribution of all new money which is the applied concept known as Debt Only. A central bank is necessary, but the FED was created to be the hand maiden of the banks in “normal” economic times and its bail bondsman when their monopoly paradigm of Debt Only destabilizes the economy by overloading it with PERSONAL debt not the “national” debt.

Roger we should get together and become the two old coots who pulled back the curtain on The Great Oz, and also ushered us all happily into a Copernican level change in the monetary and economic systems.

Infinitely applicable both personally and temporally. Why? Because grace is not only about a personal experience its about emergence/change, flowingness/time, dynamism/power, irresistibility/self interest all of which are simultaneously aspects of both grace and the temporal universe and/or temporal universe systems…and finally ethical action which is both the rational consideration of mere black-white morals and the most essential/indispensably important civilizing human characteristic.

Steve Hummel 06/02/2026

1. It engages every economic agent commercial and individual because retail sale is the very point of commerce and everyone must and does participate in retail sale.
2. That automatically makes the policy’s effect macro-economic because macro-economics is about aggregates as in total/aggregate participation and total/aggregate purpose/goal.
3. Even the banks are benefitted by the policy by a) doubling individual purchasing power makes for less failures to pay b) the central bank pays the banks half of everyone’s mortgage, automobile, insurance or other big ticket item’s monthly payment and c) the new monetary paradigm of gifting ends the historical de-stabilizing effect of the banks’ wielding their monopoly paradigm for the creation and distribution of all new money and d) the banks actually receive the most important benefit which is getting their ethics put in, which was the biggest benefit the Roman Catholic church recieved when The Reformation ended its monopoly domination of everyone

This makes perfect sense to me. Humanity has increasingly become trapped in abstraction to where in my opinion we’ve devolved into homo scientificus Only instead of fulfilling our stated designation of homo sapiens, wise and discerning man. Wisdom, the integration of seeming opposites to the point of trinity a thirdness, fullness, deeper greater oneness needs to be the goal. Wisdom is actually a state of allness where duality/opposition/problems are all still understood and experienced as real its just that wisdom/trinity/unity/solutions becomes an even greater reality. Its a fully naturalistic as well as scientific panentheism.

My understanding is that on a scale of knowingness direct looking is right below knowingness/full consciousness and abstraction is a figure, figure, figure state of duality Only several rungs down the scale. Scientifically, I figure wisdom is our consciousness nascently integrating with/becoming aware of the electro-magnetic flux continuously going on all around us. We don’t/can’t actually see this because our eyes are not electron microscopes, but direct looking without figuring about it opens the door to experiencing wisdom.

Ann, you, Michael Hudson, Steve Keen, Ellen Brown etc. etc. all have discovered the correct subject(s) to analyze and critique, namely Money, Finance and Debt and its various systemic consequences like speculation and ungoverned trans-national flow. However, please consider that if one wants to effect permanent progressive change one needs to analyze and discover the key operant concept, i.e. paradigm that creates and re-inforces all of the present problems, and then discover the new concept which applied will resolve the anomalous concept’s problems and become the new paradigm. IOW if we want permanent and progressive change we need to FIRST analyze CONCEPTUALLY and THEN look to how it can be most efficaciously applied. Everyone I follow above is spot on in their SYSTEMIC critiques, but has the SYSTEMIC cart before the PHILOSOPHICAL/PARADIGMATIC horse.

There is one additional reality/factor regarding Money, Finance and Debt that needs to be philosophically recognized and that is monopoly, that is, the ONLY-NESS of its creation and distribution. Monopoly was the problem before The Reformation because the paradigm then was Salvation Via Roman Catholic Sacraments ONLY. Monopoly as a factor is like Kepler discovering elliptical orbits which is what made Copernican helio-centrism actually predict astronomical movements better than Ptolemaic epicycles.

So if the present monetary and economic paradigm is Debt/Indebtedness Itself…ONLY, and two of the signatures of historical paradigm changes are complete conceptual opposition and temporal universe inversion of reality, then the the new paradigm for the creation and distribution of all new money is (Strategic) Monetary Gifting.

The analogy fits perfectly.

That’s because economists are just as unaware of the fact that central banks were set up to make the world safe for private finance/the banks as they were of the fact that banks create our money instead of intermediate it. IOW the central bank is there to be the hand maiden of the banks during “normal” economic times and their bail bondsman when the shit serially and historically hits the fan as it did in 2008. What we need to do is make the central bank become the best friend forever of the individual agent and also of every commercial agent. You do that with the new monetary and economic paradigm of Strategic Monetary Gifting with a 50% Discount/Rebate policy at regular consumer retail sale and also at the retail point of finance, namely one’s mortgage, insurance, automobile or other big ticket item’s monthly payment. What even the brilliant Keen overlooks is the need to break up the civilization long monopoly monetary paradigm AKA Debt Only with Strategic Monetary Gifting. Visualize it.

Its the monetary and economic policy point equivalent of breathing which means it happens trillions of times per day and yet its actual and possible importance is almost entirely missed. However, if you combine the facts that its participated in by everyone, is the terminal ending point of the entire economic process and hence the terminal cost and price point as well and that the double entry bookkeeping operations of equal debits and credits with a 50% Discount/Rebate policy at that point mathematically doubles everyone’s purchasing power, implements beneficial price and asset deflation and yet with the rebate aspect of the policy the merchant gets their full price…so no moral hazard. Finally and serendipitously, instead of saying: “Damn! Oreos just went up another 10%! YOU AND EVERYONE ELSE can consciously experience gratitude for a 50% gift of price EVERYDAY, SIMPLY BY PARTICIPATING IN THE ECONOMY so its the first TEMPORAL UNIVERSE SYSTEMICALLY REQUIRED ACTIVITY to integrate spirituality, that is an aspect of grace (GIFTING), into its very operation.

Awaken to the economic importance and personal possibilities of the above policy at retail sale!

Steve Hummel 05/27/2026

Excellent exegesis Ellen. I suggest two policies that will resolve both chronic austerity of individual demand and fund the research on resolving the energy/ecology problem you mention.

First, yes once again the 50% Discount/Rebate at regular consumer retaail sale and also at the retail point of Finance, namely one’s monthly mortgage, automobile, insurance or other big ticket item’s payment all funded by the central bank. This doubles everyone’s purchasing power for consumer goods and quadruples it on debt taken on. Resolves individual austerity of demand, transforms chronic inflation into beneficial price and asset deflation and yet every merchant gets their full price with the rebate aspect of the problem.

Secondly, implement a sliding scale required “tax” of gifted purchasing power into Eco-Energy R & D treasury bonds at a rate of 5-6%, IOW a GIFT of a guaranteed investment into searching for ways to resolve those issues you also identified. It mitigates the great increase in consumption wrought by the 50% Discount/Rebate somewhat while motivating rational action toward the Eco-Energy problem. I would include the hunt for quantum/zero point energy as the ultimate direction to go. Nick Cook has suggested a breakthrough may have happened on such here: https://www.casimir.inc/tech?utm_source=substack&utm_medium=email