Central bank accounting line in Ravel: 50% Credit to consumer at retail sale by merchant…Rebate same amount back to the merchant by central bank. Voila! Monetary and economic paradigm change because inflation is transformed into beneficial deflation, everyone gets a 100% increase in purchasing power, even the banks get 50% of everyone’s monthly mortgage payment gifted to them, and last but not least participating in the economy, which everyone does at retail sale, becomes the greatest opportunity for anyone with two brain cells to consciously self actualize gratitude which is a transformative personal experience, for the 50% gift of price.

The craving for self certainty. Learn to get comfortable with ambiguity and a multitude of differences, options and solutions can present themselves.

“Free” market theoretics is actually Finance dominated chaos/absence of known and enforcable barriers. The reality of ethics (the rational contemplation of morals/dualities) is the deeper often unperceived or even denied law especially by economists and economic pundits.

You’re quite right in your analysis, but the real trouble with “the government deficit/debt” is its framing reinforces the concept of debt instead of emphasizing that its actually a GIFT of money to the private sector. It also inhibits people’s ability to embrace the illogical historical fact that new paradigms are always in complete conceptual opposition to the present paradigm, in this case Debt Only as in the burden to repay as opposed to Monetary Gifting. Also, relying on trends, even well considered trends, is not a long term reliable answer especially given the “innovative” tendencies of Finance. Better to craft policies based on the new paradigm concept because historically everything adapts to a new paradigm, not the other way around.

Daniel: That would not removed inflationary debt from circulation. It would simply recycle debt over and over while the total debt-to-GDP ratio keeps rising and rising.

What’s required is a displacement where debt-free medium allows debt based medium to be safely purged.

Me: Not correct. Your last statement is exactly what is required…and the policies of the new monetary paradigm do that in spades. How? Because instead of allowing private debt to keep building until it destabilizes the economy the 50% Discount/Rebate policy at retail sale doubles individual purchasing power and simultaneously reduces the rate of increase in debt by 75% by reducing the price/debt burden of a $500k house to $250k at retail sale and then when your $250k mortgage payment (the retail point of Finance) comes due every month the 50% Discount/Rebate pays for half of your payment so you get a $500k house for the equivalent payment of a $125k mortgage.

Daniel: You made no reference to debt-free money. Debt-free. Are you confusing interest-free for being debt-free ? Many people do.

All money created from pen & ink that is not redeemable for a debt-free asset is debt. Greenbacks were debt even at 0%. Social credit is debt.

—>>> Your last statement is exactly what is required..

You bet ! The reference was to real debt-free currency redeemable in gold, market created and market driven with MARKET PRICES. No policy changes required. The Fed can continue to do what it’s doing until the “Yin-Yang”of debt and debt-free mediums empower real economic growth where that growth can be made sustainable. It might then choose to leave the building….. maybe.

On its own and left to itself, this cannot be achieved by debt at any interest rate you choose. Creative distribution of debt won’t overcome a rising total debt-to-GDP ratio either. If you think velocity will do the trick, it won’t. Again, if debt is all we rely on, it will be inflationary.

Time is the enemy of debt. A Yin with no Yang is doomed. It cannot survive but it is required for the relationship to achieve balance and symbiosis once debt-free medium comes into circulation.

Render unto Caesar …. render unto God. The law of weights and measures cannot be ignored in this.

Me: No I’m not confusing debt with interest. The new monetary and economic paradigm concept IS MONETARY GIFTING after all. The 50% Discount/Rebate policy is the very expression of the new paradigm because it is a monetary gift of price at retail sale and a reciprocal monetary gift back to the merchant granting it to the consumer…and its points of implementation are the retail points of both the productive AND the Financial economies, the former of which is universally participated in and the latter of which is largely participated in and also the overwhelmingly debt incurring point. Do the simple math and equally simple accounting operations of the policy until you see the macro-economic and beneficial effects of the new monetary paradigm.

Social Credit’s Compensated Retail Discount (CRP) was a gift at retail sale, but the monies funding it would have been created as debt in the same way as government debt is funded by Treasuries. However the interest on treasuries is actually a monetary payment to the private sector…so its not the boogie man libertarians and also democrats try to make it. ITS THE BUILD UP OF PRIVATE DEBT THAT IS THE REAL PROBLEM. Amend The FED’s charter to create and distribute the GIFTED monies of the 50% Discount/Rebate and aligned policies and you’ll resolve the human civilization long problem in economics and the money system.

Daniel: Private debt is solved with private debt-free money owned, introduced and distributed by market participants within the real economy.

Both forms of currency must circulate and as more debt-free liquidity empowers the real economy, inflationary debt can be safely purged. It can leave circulation and be destroyed. It simply goes back to its “nothingness” because of the displacing influence.

The Yin needs the Yang. It’s doomed without it.

Me: Yes, and that is the cost reducing effect of the 50% Discount/Rebate at retail sale. In other words the consumer gets a 50% reduction, but with the reciprocally gifted monetary rebating of the entirety of that price discount back to the merchant that merchant gets their full price. Equal debits and credits that sum to zero and algebraically -50% + 50% = 0. Its not just Yin and Yang its their integration. Its not just satori its samadhi.

Daniel: Let the market apply the discount. The merchants should be pleased as punch to get gold (or silver) backed market currency as payment. They’ll compete. Believe it because monetization is gold’s greatest catalyst for real demand and a rising gold price (trade value). The merchants can pay for their own discount.

As real growth gains traction on the back of the ADDED debt-free MARKET controlled currency, fiat currency can be safely and responsibility drawn out of circulation on the basis of rising interest rates.

Government revenue (always debt based) will skyrocket too.

The liquidity comparison between debt and debt-free currencies then moves toward balance and symbiosis as the debt side deflates and the assets side gets larger.

Inflationary debt has to be purged to contribute to the balancing effect.

Render unto Caesar…. render unto God.

Me: They already use BS “discounts” based on MSFP (Manufacturer’s Suggested Fantasy Price), read wildly higher rates of return than the market is willing and able to pay so there’s no incentive or ability for them to lower their prices further…unless you implement the inflation killing, purchasing power doubling, additional demand creating policy of the 50% Discount/Rebate.

Sorry, gold is just another fantasy created by financial speculators to “deal” with the problem when there isn’t enough gold on the planet to serve as a currency. I’ve even seen gold bugs talk about virtual gold ignoring that this is just fiat currency in desguise without the solutions of paradigm change and is probably an issue created by Finance for people to wrangle over…instead of confronting and handling the real problem which is the monopoly paradigm of Debt ONLY that the banks wield. Bitcoin and its various derivations…same thing and wildly unsecure.

…the satirists and the iconoclasts. But even more so give me the applied philosophers, the synthesizers and the paradigm changing wisdom they discover and enable.

Steve Hummel 07/13/2025

Initially the Copernican cosmological paradigm concept when applied was not as accurate in predicting planetary movements as Ptolemaic geo-centrism. It was only after Kepler discovered that orbits were eliptical that it confirmed the truthfulness of helio-centrism.

Planetary orbits aren’t perfect circles and complete freedom isn’t possible or best in economics or any other human system. Why? Because there’s this little thing called ethics that mentally healthy humans cannot rationally deny…and that zealots and the powerful routinely delusionally disbelieve and so find reasons to ignore.

In the human universe there is only freedom WITHIN KNOWN AND ENFORCEABLE BARRIERS. In fact rational and ethical barriers (ethics are the rational consideration and contemplation of morals) ENABLE AND INCREASE freedom, and absence of barriers/ethics inevitably evokes chaos and the ability of the powerful to dominate.

Bring ethics, vastly broader abundance, problem resolution and paradigm change to economics, the money system and “free” market theoretics with the new monetary paradigm of GIFTING and its strategically applied and philosophically aligned policies…which is the thirdness greater oneness theoretical framework that integrates the seemingly unresolvable duality of capitalism versus socialism and is called Wisdomics-Gracenomics.

If the government is truly monetarily sovereign…why does it need to tax at all? The answer of course is inflation which The FED is (supposedly) mandated to control, but a closer look at The Fed (and the entire monetary system) is that The FED’s charter is actually designed to make the world safe for private banking…whose monopoly paradigm of DEBT ONLY is THE PROBLEM.

So how do you actually control, no END inflation? Two things:

1) You amend The FED’S charter to create monetary gifting in other words distribute MONEY NOT DEBT at retail sale with a policy of a 50% Discount/Rebate at that point thus implementing beneficial deflation.

2) You do an honest calculation of inflation and allow it be 2-3% per annum while indexing the retail discount to 52-53% and then tax enterprise at a rate of 100% on any revenue they may get over the 2-3% allowed increase. The FED can still create reserves and banks can still create debt of course, but its rate of increase is greatly reduced by the paradigm changing supplemental accounting operation of a monetary gifting policy at retail sale.

Another way of describing samadhi and/or living in a state of god’s grace.