I’m not here to necessarily demonize the filthy rich or the filthy rich and powerful bankers…only to make them finally relate in an ethical way instead of surreptisously dominating every other individual and commercial agent with their monopoly monetary paradigm for the creation and distribution of all new money also known as Debt ONLY.

To the erudite intellectual dunces, the cynics, the bought or fearful politicians and the long-acculturated general populace who have never been given a break since day one of human civilization I say: “Remember the truest of political truisms: “People vote their pocket books” and the mathematical fact that they who would object to integrating the new monetary paradigm of Gifting into the Debt ONLY system are few and we are many.”

Steve Hummel 12/28/2025

…align its temporal universe actions/operations so that its effects create the systemically relevant aspect or aspects of the natural philosophical concept of grace. Grace, grace, grace, its the highest spiritual experience, the key to thirdness greater oneness unification of temporal universe problems, the most basic cosmological reality and hence its fruits should logically be the goal of every individual and every human system’s effects.

Steve Hummel 12/27/2025

Just enable the banks to create a 50% GIFT of money TO THEMSELVES as half payment of everyone’s monthly mortgage, automobile, insurance or other big ticket item including of course the taxes, insurance, interest and any other additional costs included in any escrow account.

In essence the banks dissolve their own monopoly paradigm…but to their own benefit (increased security, stability and broadening of their market).

Ironies abound…with an actual paradigm change! Why? Because paradigm changes are and always have been complete inversions of conceptual, temporal and personal mental realities.

Every economic woe you are expressing can be remedied by a change in the monetary paradigm from Debt ONLY to Debt AND Monetary Gifting. Why does Finance have the right to wield a destabilizing monopoly paradigm for the creation and distribution of all new money??? It doesn’t obviously, any more than the Catholic church had the right to their monopoly paradigm for salvation Via Roman Catholic Sacraments ONLY. We need a monetary Reformation.

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Yes, it needs to be worked on and is wonderfully accomplished by the single policy of a 50% Discount/Rebate at retail sale which mathematically doubles everyone’s purchasing power while simultaneously tarnsforming chronic erosive inflation into beneficial price and asset deflation. I’m not advocating for Monetary Gifting ONLY which would just be another monopoly paradigm. I’m advocating for integrating Monetary Gifting STRATEGICALLY into the Debt ONLY system so as to create a thirdness greater oneness out of the dualistic futility of palliating (progressives), ignoring (capitalists) or worshipping (libertarians) the present paradigm and in fact the entire corpus of “free” market theoretics which is a misnomer for the non-resolving chaos that results from not having known and enforceable barriers between which one can rationally craft ethics. There is no such thing as TOTAL freedom (read an unworkable and ethic-less framework which is what “free” market theoretics actually enforces….unless of course we perceive and resolve the core of the core problem which is the present monetary paradigm that all new money can ONLY be created as debt. And here is the way to keep oneself on the straight and narrow path toward achieving the new paradigm with the key insights of Paradigmology:

1) Historically new paradigms are always in complete conceptual opposition to the present paradigm

2) Historically new paradigms create resolving thirdnesses greater onenesses of problematic dualities and

3) Historically the beneficial effects of every paradigm change have always been an aspect or aspects of the natural philosophical concept of grace like greater abundance, greater freedom, greater unity, new realizations, inversions of both personal and temporal universe reality, etc. etc.

So lets work for a Wisdomics-Gracenomics of which the insights of MMT are a nascent awakening to.

The point of double entry bookkeeping is the trinitarian result of the accounting equation namely its equation/equilibrium process and ultimate problem resolving result…which is 0. Economically/Systemically thats enlightening…but an ever zeroing/trinitarian point is essential for full understanding because scientifically/mathematically defining the problem doesn’t necessarily lead one to true thirdness solutions. In other words the apparent trinity of problem identification, action to equate it that only momentarily fixes the problem but doesn’t CONTINUALLY solve it…isn’t the wisdom of a true trinity. And thats why “a modern debt jubilee” isn’t going to resolve the present Debt Only monetary paradigm any more than it did for the ancients…because it isn’t implemented at the single continuously ongoing, universally experienced/participated in and ending point, that is aggregative as in macro-economic point in the entire economic process, namely retail sale with:

1) enough of a beneficial effect that it will be irresistible to both parties involved,

2) mathematically large enough that “normal” attempts at gaming it like garden variety inflation won’t undo its resolving effects and

3) exposes extraordinary attempts of same like leveraging up speculators so as to short the currency and thus become obviously unethical to even moral and ethical morons like neo-classicalists and libertarians.

Hence, the 50% Discount/Rebate policy at retail sale. Which with its Strategic Monetary Gifting undoes the destabilizing effects of the current monopolistic monetary paradigm of Debt Only…CONTINUOUSLY and so makes every day Christmas Day! Merry Christmas!

1. Debt as in all new money is created and distributed Only as debt
2. Debt as in the obligation to pay full price Only
3. The monopoly aspect of these aspects designated and enforced by the word Only
4. Money can be distributed directly to the individual Only via employment, investment or indebtedness

Actually the goal needs to be: How do we find the key paradigm changing application that will resolve the complexities of the current anomalous monetary and economic paradigm. That way we don’t just settle for palliative reforms we get to experience permanent progressive change…and still keep our minds open for additional deep change because complexities are an emergent aspect of the temporal universe.

The human civilization-long acculturated intellectual disease of modernity also known as cynicism. Why? Because it stops action before it even starts. And the solution to this problem is exactly the same as the solution to the current monetary paradigm because just as Gifting is an aspect of the natural philosophical concept of grace, so is Renewal as in process, time, being consciously/mentally in continual present time…as opposed to mistakenly thwarting change by clinging to abstract fallacious orthodoxies and/or falling for the unconscious trap of cynicism.

Let us instead embrace Antonio Gramsci’s prescription of “pessimism of the intellect, optimism of the will”.

Implement the new monetary Paradigm of Strategic Gifting. With a 50% Discount/Rebate policy at retail sale and a $1000/mo. Universal Dividend why would we need the payroll taxes for welfare and unemployment insurance?

If the government is monetarily sovereign, which it is, and a 50% Discount/Rebate policy at retail sale transformed chronic erosive inflation into beneficial price and asset deflation, then why would the government have to worry about inflation and continue to create any new money for any deficit as interest on treasury bonds? So federal tax rates could easily be reduced. And, as treasury bonds are actually payments to the private sector, the interest paid is actually a part of GDP and not really the big problem neo-classical theorists and libertarians think it is what we should do is just create the money to cover any deficit…with just the kind of money that doesn’t create additional cost, that is, GIFTED money.

Finally, in order to mitigate the large increase in consumption why not introduce a sliding scale percentage of gifted money be required to be “taxed” and invested in 5-6% Eco-Energy R & D treasury bonds? That way the interest is universally democratized instead of being almost entirely going to the banks and already wealthy individuals, and because its GIFTED money being “taxed” its actually a GIFT of investment as well as a rational action toward confronting the energy and ecological crises that are looming up at us.

Just examples of Strategic Monetary Gifting being ALL UPSIDE.

Even though a $500k house will only need a $250k loan the banks will undoubtedly make more money than they do now. Why? Because with the twin policies of a 50% Discount/Rebate at retail sale and a reasonable universal dividend to everyone 18 years of age and older virtually everyone is creditable which vastly enlarges the market for big ticket item loans like for autos, furniture, mortgages etc. etc.