Everything you say is iffy and possibly entirely correct. Why? Because the entire theoretical framework of supposed “free” markets isn’t free at all, but rather just a delusional chaotic mess that if one continues to believe in it simply inhibits looking at the real problem in economics which is that private Finance wields a monopoly paradigm for the creation and distribution of all new money AKA Debt Only. Strategically integrate Monetary Gifting into the Debt Only system with a policy of a 50% Discount/Rebate at retail sale and every commercial and individual agent wildly benefits (The consumer gets $100 worth of groceries or other products or services…for only $50 and yet the merchant gets their full price of $100. And if you buy a$500k house its reduced to $250k at the homebuilder and then when you finance the remaining $250k the central bank pays for 50% of your monthly payment so you get that $500k house for an equivalent payment of a $125k loan. All merchants get their full price so no moral hazard there. All it takes is the willingness to look at these mathematical and double entry bookkeeping facts.

The new “third rail” of politics. Social Security has been around for almst 100 years and is recognized as “the third rail” of politics. IOW you touch it to change it or eliminate it and you die politically. Even the stupiest consumer is not going to vote against cutting their grocery bill and the price of everything else they buy at regular retail sale…by 50%. And, for anything they decide to borrow to buy, cutting the price they’ll pay by 75%. For instance this latter case one decides to buy a $500k house and the homebuilder gives them a 50% Discount (all of which discount they get back from the central bank with the rebate aspect of the policy so they actually get their full price). Then they go to Finance and borrow $250k and then the central bank pays 50% of their monthly mortgage payment so the consumer gets a $500k house for the equivalent payment of a loan for $125k.

Voila! Affordability becomes reality…permanently! And the first political party to recognize this becomes the greatest majority coalition since The New Deal. And its all simple freshman algebra and double-entry bookkeping.

Steve Hummel 06/15/2026

…but not a single one of them discovered the most beneficial and problem solving point in the entire economic process to utilize the accounting process…like I did. A perfect example of the student surpassing the teachers.

Steve Hummel 06/15/2026

…breaking up the monopoly paradigm for the creation and distribution of all new money which is Debt Only with Strategic Monetary Gifting particuarly at both regular consumer and also Financial retail sale with a 50% Discount/Rebate policy at those points would 1) wildly benefit every economic agent commercial and individual by mathematically doubling everyone’s purchasing power 2) ipso facto double the potential demand for every enterprise’s goods and services, 3) strengthen the currency of nation who did so and so 4) avoid the unnecessary and potentially hazardous competition to become the new reserve currency meaning you’ve not solved the problem at all.

Steve Hummel 06/14/2026

Thats right, its everything, everywhere, at all times and last but not least its “plug and play”

Paradigm Change/Permanent Progress-Progression Itself/New Zietgiest/History

Duality-Problems/Integration of Opposites-Wisdom/Trinity-Tirdness Greater Oneness-Solutions

Exchange/Interchange/Economics/Money

Consciousness/Personal Reality/Spirituality

Flow/Freeflowingness/Time Itself

Energy/Temporal Universe Power/Personal Bodily-Mitochondria

Source/Discovery-Cognition/Expression

Life/Living/Death/Change-Transformation

Reach/Withdraw/Reach Again/Action of Consciousness/Purpose/Intention

We need to ask ourselves what it was that enabled, secured and even guaranteed past historical paradigm changes. For instance the change from nomadic, tribal hunting and gathering to homesteading, urbanization and agriculture was gained by realizing that such change increased and secured abundance and thus personal survivability. If my contention that the beneficial aspects of every historical paradigm change has always been an aspect or aspects of the natural philosophical concept of grace, and even a cursory analysis I think confirms this, for instance the Copernican Cosmological paradigm change inverted ego-centric cosmic thinking into cosmic graciousness, i.e. a humility which fruit is actually a greater centeredness…especially if one follows it on personally and/or makes daily life enable or elicit it.

This is why I see changing the present monetary paradigm for the creation and distribution of virtually all new money from Debt Only to Direct, Reciprocal and Strategic Monetary Grace As In Gifting within an entire policy program especially with the primary policy being a 50% Discount/Rebate at regular consumer retail sale and also at the retail point of Finance which is one’s mortgage, insurance, automobile or other big ticket item’s monthly payment.

This single policy would mathematically double everyone’s purchasing power, transform chronic erosive inflation into beneficial price and asset deflation and simultaneously potentially double the demand for every merchant’s goods and/or services. Its even a win for the banks who presently wield the Debt Only monopoly paradigm of Debt Only. Why? Because the 50% Discount/Rebate and other aligned policies of the new paradigm…make virtually everyone creditable and so vastly expands the banks’ market and makes repayment of debt much more secure…not to mention their ethics get put in by the new paradigm which breaks up their present dominating monopoly.

So secured and increased abundance (an aspect of grace) helps all agents and every individual quell the ontological effects of the cosmic changes we’re rapidly approaching.

Addendum: I also suggest in my book Wisdomics-Gracenomics a policy of a sliding scale percentage of utilized purchasing power be required to be “taxed” into Eco-Energy R & D Treasury bonds at an attractive rate of 5-6% (IOW a Gift of a guaranteed investment). This would mitigate over consumption and rationalize action toward finding solutions to our ecological and energy crises.

The Gratitude Society

The various aspects of grace applied to society, the economy and the ecology so as to best self actualize gratitude and empathy for life and everything in it.

Opt-In Requirements: The 50% Discount/Rebate Policies at regular consumer retail sale and also the retail point of finance which is one’s mortgage, insurance, automobile or other big ticket item’s monthly payment…and the rest of the aligned policies of Wisdomics-Gracenomics.

Absolute, permanent nutritional, chemical and ecological paradigmatic change in the food industry. Committment to whole foods, perma-culture and soil regeneration.

Absolute Educational Consideration and Integration of Latest Regenerative Medicine Insights into Present Medical and Pharmaceutical Systems.

Finding and applying temporal universe ways to insitutionalize a non-sectarian yet integratable philosophy of Gracientialism into the world’s major wisdom traditions.

SteveHummel 06/09/2026

Answer: The present wielder of the anomalous paradigm, because it resolves the anomalies and so enables that wielder like everyone else not only to better temporally thrive, but it also enables them to put their ethics in regarding the system(s) that change.

For instance, The Reformation enabled the Roman Church to both less controversially survive, but also to address/redress the 1400+ year accumulation of corrupt practices Luther’s 99 theses pointed out, meaning it insured its very survival because if the corruption had continued unabated it would have undoubtedly become out competed.

This last fact applies today to both capitalism and to the American Empire.

Just another benefit of keeping one’s ethics IN.

Steve Hummel 06/09/2026

Also the beginning of the only two human phenomenon greater than a paradigm change which are 1) a mega-paradigm change where the new realization and temporal universe reality is universally experienced, continuously experienced and its benefits serendipitously spill over into additional systems, bodies of knowledge and areas of human endeavor and 2) a new zietgiest/ethic of the age.

We have been stuck in the struggle of the present zeitgiest of Power, Profit and Control ever since the human species became self aware and hence aware of the reality of ethics. Ethics are the rational consideration of mere black/white morals. The new zietgiest follows the rule that the beneficial effects of paradigm changes have historically always been an aspect or aspects of the natural philosophical concept of grace which means amongst other aspects of grace the new zietgiest is Redeemed/Redemptive Power, Profit and Control.

Steve Hummel 06/08/2026

Its actually a trinity activity of 1) equal Debits and 2) Credits…that 3) sum to Zero. Now consider that virtually all new money is created only as debt, but if congress were to implement a policy where the central bank is mandated to create and distribute the monies to fulfill the rebate aspect of a 50% Discount-Credit/Rebate-Debit at the point of retail sale, that would mean that you would be able to purchase $100 worth of groceries or other goods and services…for only $50. You could also purchase a $60k EV for only $30k and a $500k house for only $250k. But wait, it gets even better. When you go to borrow the money for the EV or the house the 50% Discount/Rebate is again applied (the retail point of finance is your mortgage, automobile, insurance or other big ticket item’s monthly payment) so the central bank then pays 50% of your monthly payment to the bank. So you get that EV for the payment equivalent of a loan of only $15k and the $500k house for the payment equivalent of only a $125k loan.

Duality is the signature of unresolving problems, trinity/the integration of dualities to the point of thirdness greater oneness of the aspects of such duality…is the signature of solutions.

Steve Hummel 06/07/2026