Your systemic analysis is as usual spot on. However, if you would analyze conceptually/paradigmatically you would see that a policy of a 50% Discount/Rebate at retail sale where either the government or the central bank simply creates money with Strategic Monetary Gifting to rebate and make retailers whole on their full price (especially at the retail point of finance, that is one’s car, mortgage or other big ticket item) you implement permanent debt jubilee instead of a one off jubilee and then let Finance go right back to screwing up everything for another 60-70 years with their present monopoly paradigm for the creation and distribution of all new money. Would you please consider modeling the effects of the above policy and the entire policy program in my book here: https://www.amazon.com/Wisdomics-Gracenomics-New-Monetary-Paradigm-Policies-ebook/dp/B0C49B9PX7/ref=tmm_kin_swatch_0?_encoding=UTF8&qid=1552358772&sr=1-1-catcorr

First, our American fore-fathers’ had this wonderful and wise idea called democracy, but it was never really implemented. Instead what occurred was a suave oligarchy instead of the overt form of same that has been the fact everywhere since Sumeria. And that was an actual progression, but not the solution that would enable a true democracy. So what is that solution? Its a paradigm change in the money system and hence also in the economy, the entire social system, our politics and the minds…of everyone.

Thats right everyone because:

1) money is the human invention that enables and facilitates the economy,

2) everyone participates in and/or is effected by the single universally participated in point in the entire economy which is retail sale,

3) Voters in a democracy vote their pocket books because more and better ability to purchase is in everyone’s self interests and

4) the normal and very beneficial personal response to receiving a gift is gratitude…and that is why integrating the new monetary paradigm of Strategic Monetary Gifting into the economy at the point of retail sale will be the greatest opportunity to self actualize gratitude since meditation and prayer and is what will

5) create the mega-paradigm change above that also begins to move us from the present zeitgeist/ethic of the age of the dominance of Power to the new zeitgeist of Grace as in Loving Personal and Systemic Action.

Me: If the deficit is actually balanced by treasuries which is a GIFT of interest for the private sector, that is, mostly the banks and the wealthiest then why are you not recognizing that bait and switch?…If you think inflation is the problem then why is a strategic GIFT of price at retail sale that enables one to buy $100 worth of groceries for $50, a $60k EV for $30k and a $500k house for $250k not the answer to inflation?…If you detest paying high rates of taxation and the above GIFTS were sovereignly created simply as money NOT AS DEBT and so most of your taxes could be greatly reduced or eliminated, then why are you as a libertarian opposing the idea of Monetary Gifting???????

W: The whole point to the financial plumbing is to confuse the public about what’s going on. Your scheme is not obscure enough and doesn’t serve the interest of the people who hire economists and economy professors.

Me: Correct. But the benefits of the policies I advocate here if broadcast widely would awaken the general populace and every enterprise except finance’s self interests…and that would make all the difference in the world. I’m the only one recognizing the exact concept if applied in the same way as finance and the government create money…will resolve the problems everyone agrees we have. Dare I say it, that makes me an historical figure not unlike Copernicus. Even very intelligent guys like Steve Keen and Michael Hudson miss this solution simply because they do not analyze CONCEPTUALLY. Paradigms are APPLIED concepts that create new mental and temporal universe realities. They are where the real power exists…so think conceptually and how to apply the new concept…and incredible change is possible.

The concept and self actualized experience of grace is the solution to and most basic reality of everything, and the beginning of the transformational change we require and that realization is…starts with the new monetary paradigm of grace as in Strategic Monetary Gifting.

Steve Hummel 10/17/2025

And the key applied concept for resolving these problems is once again the natural philosophical concept of grace and its major aspect of dynamic integrative unity of opposites to the creation of a thirdnesss greater oneness of problematic dualities.

Coherence is an aspect of grace. Applying the aspects of the concept of grace has always been the resolving answer to personal and temporal universe problems.

Its accounting, equal debits and credits and the simple algebra that creates the temporal universe reality of the policy. Thats all. It Doesn’t make any sense if you either don’t look at the process itself or your acculturated mental orthodoxies unconsciously prevent you from seeing it.

So here is both the accounting and algebraic process:

Accounting: 50% discount/sales credit of price so $100 of groceries only costs the consumer $50. Then the government or preferably the central bank rebates/debits the $50 back to the merchant so they are made whole on their entire price.

Algebra: -$50 of price + $50 monetary rebate = $0 price loss, $0 cost creation, full price for the merchant, a doubling of the individual’s purchasing power via beneficial price and asset deflation, a potential doubling of demand for the merchant’s goods and services and last but most importantly participating in the economy (which everyone must do) becomes the greatest opportunity to self actualize gratitude for a gift since meditation and prayer. In other words its Chritmas every day of the year.

The Reformation broke up the monopoly paradigm of Salvation Via Roman Catholic Sacraments Only

Kepler broke up the monopoly planetary orbital paradigm of Perfect Circles Only with the discovery of Elliptical Orbits

Lincoln’s Greenbacks momentarily broke up the monopoly monetary paradigm for the creation and distribution of all new money which is Debt Only…and that was probably the major reason the North won The Civil War

The 50% Discount/Rebate policy at retail sale completely and permanently breaks up the present monopoly monetary paradigm of Debt Only

Including the payment of 50% of State, County and Municipal sales taxes in the 50% Discount/Rebate policy at retail sale breaks up the monopoly paradigm of Monetary Sovereignty/Payment of National Taxes Only

The FED creates and distributes the monetary gift, the treasuries pay for the rest of the deficit.

The Cosmic Code, an integrated duality to the point of a trinity/unity/oneness expressed in the formula { (A x B) –> C } is the mindset and intellectual process of Wisdom, the wholistic perspective which includes the scientific method and the very reality changing phenomenon of new paradigms which is both mental and temporal universe transformation.

Finally, The Cosmic Code is the very expression of the natural philosophical concept and/or experience of grace whose mulditudinous aspects are all integrations of opposites that enable/evoke thirdnesses greater onenesses. In other words the concept and experience of grace is the ultimate human and temporal universe guiding elixir for problem resolution and positive progression…and The Cosmic Code is its most basic formula.

Steve Hummel 10/16/2025