“Free” market theory is invalid and a misnomer because the present monopoly monetary paradigm dominates virtually every aspect of the economy. The actual state of the economy is alternately goosed and strangled unstable financial chaos from which only private finance benefits. (Example from The GFC.) In the human universe there is only freedom within known barriers. No barriers or only financially dominating barriers is just another word for chaos. That’s why you can’t walk into a theater and yell “Fire!” Its also why you can’t legally kill someone unless its in self defense. Ethics demand barriers, and the ethic of grace as in love in action, and as policies are the actions of systems, systemic policies, is the ultimate ethic. When you understand and act with grace/graciousness you realize the beatific chains of grace. The policies of the new monetary paradigm all come from and are aligned with the natural philosophical concept of grace. Its why I called my book Wisdomics-Gracenomics.

I was a nurse and business owner before I retired. My adult intellectual curiousities have always been the world’s major wisdom traditions, the study of historical paradigm changes and ways to resolve economic problems. My book “Wisdomics-Gracenomics: The New Monetary Paradigm and Its Policies” is a synthesis of the conclusions of the leading economic and monetary reform movements, identifies the precise new monetary and economic paradigm concept, innovates new policies and last but not least not only can be the rejuvenation and ethical ascenscion of profit-making economic systems, but can also make it the very tool for the greatest increase in the self actualization of gratitude we have ever had. Why? Because everyone participates in the economy so you have a built in universal congragation that is ready and waiting to be thankful when their purchasing power is immediately doubled by the policies in my book.

My niche is Wisdom/Paradigmology and Economics and the Money System. I have been a student of Steve Keen, Michael Hudson, Ellen Brown, Warren Mosler and his fellow MMTers (Modern Monetary Theory) and others since the GFC (Great Financial Crisis) in 2007-2008. I take their valid system’s analyses of our economic problems and with APPLIED system’s philosophy craft the solutions to those problems.

In essence my program is a model for beneficially integrating the seeming opposite universes of our temporal systems and our spirituality…at the same time.

Lack, or failure to look directly at something has always been the way to miss a salient point, and as god is omni-present the place to meet him/her/it is in the present moment. Thats why zen monks gaze at walls and Christ said if you want to enter the kingdom of heaven you must become as little children…who haven’t learned to abstract their experience with words yet and hence almost exclusively exist in a state of moment to moment grace.

Economists have examined the economy, abstractly, for a couple hundred years and consequently have missed observing the absolute efficacy of a single point in the economic process where two tools are utilized ten billion times a day and which will have the policy effect of implementing a mega-paradigm change.

That point is retail sale, the tools are money and accounting and a single policy at that point that is the exact expression of the concept behind every historical paradigm change will begin only the third Mega-Paradigm change in human history. This policy and over 20 more is the subject of my book Wisdomics-Gracenomics: The New Monetary Paradigm and Its Policies.

Retail sale is the only point in the entire economic process that EVERYONE participates in. That is actually a new macro-economic insight. Hence a monetary policy of a 50% Discount/Rebate at that point utilizing the same tool banks use to create upwards of 97% of all new money every year ONLY AS DEBT AS IN , namely the accounting operations of equal debits and credits summing to zero will immediately and mathematically double everyone’s purchasing power, vastly increase demand for virtually every enterprise’s goods and services and not only end inflation forever…it does that by implementing BENEFICIAL price and asset DEFLATION…which is presently considered impossible according to profit-making economic theories are concerned. Ah, but paradigm changes are the beneficial death of present orthodoxies.

There have only been two historical mega-paradigm changes which have been the most progressive mental and temporal phenomena that homo sapiens has ever experienced…and Integrated Monetary Gifting will be the third.

The definition of a mega-paradigm change is one that is universally and continuously experienced, has many “spill over effects in systems, bodies of knowledge and areas of human endeavor than the major one under analysis and it raises the consciousness of each and everyone once they are given the opportunity to experience it. A mega-paradigm change is a major moment of the integration of spirituality into temporal universe systems.

The first was when we emerged much farther than any other animal from the animal kingdom’s zeitgeist of Survival Only into self awareness and hence the reality of ethics. The second was when we changed from nomadic hunters and gatherers to homesteading, urbanization and agriculture.

Here are the major economic and spiritual effects of the new monetary mega-paradigm change (and there are many more). Greater economic and monetary abundance and the creation/transformation of the most repetitive activity on the planet, purchasing something, into a continuous opportunity to feel, self actualize and express gratitude. Visualize an economy of grace as in gifting.

Try your very best to enjoy your life.

I’m not out to destroy private finance, I’m out to ending its human civilization-long dominance of virtually every individual and every other commercial agent, in order to accomplish the general Good and maybe save the planet. Steve Hummel 11/12/2023

The benefits of the new monetary paradigm are just that universal and good that the Banks who hold the monopoly power of the present paradigm and others captured by unrelenting greed might actually foment war in order to stop its implementation…saying: Geez, if things get that good for everybody, nobody will want to go to war!

Do you pay anything to produce a child? No, all you have to do is enjoy yourself once in a while.

Do children cost you anything? Well yes, but ask any parent what their biggest joy is (joy is another aspect of grace) and virtually all of them will say their children. Grace is joy/enjoyment.

Grace Is Unity, especially of opposites into a Thirdness Greater Oneness Grace is also Action, especially for the Good. Women are referred to as beautiful and men as handsome? These are classical opposites and expressions of The Good, but as grace is also unity women and men of competent and ethical action can unite and transcend such apparent opposite designations into a Thirdness Greater Oneness.

They are all Monetary Gifts. And the basic idea behind every one of them is the natural philosophical concept of Grace as in Gifting.

The private banks currently own the monopoly concept for the creation and distribution of new money which is Debt ONLY. The word ONLY designates it as a monopoly. All monopolies are problematic because they exert enforced dominance and dominance is not only economically uncompetitive it is flat out unethical. One needs to ask oneself: Are systems made for Man, or Man for systems?

When you answer that question correctly you know how to proceed with all matters regarding money, especially its new paradigm of Gifting. Namely the 50% Discount/Rebate policy at retail sale and the 25-50% dual Gifting Policy at the point of loan signing.

If you do the simple math of a 50% Discount/Rebate policy at retail sale (the discount immediately doubles everyone’s purchasing power, will greatly increase demand for virtually every enterprise without costing them a cent and resigns inflation to the dust bin of history while the accounting rebate back to the merchant makes them whole on their price, and then realize that the concept behind the new monetary paradigm is also the pinnacle concept of Wisdom namely grace as in the active form and expression of love, you begin to see the wider efficacy of what could become a mega-paradigm change for humanity. Like making going to the Mall a serial opportunity to feel/experience gratitude…instead of anger, resentment, cynicism and apathy. Just visualize an economy based monetarily and conceptually on grace for a moment and then realize another deep resolving simplicity like “As a man thinketh, so is he.”

Who’d a thunk that economics, accounting and the money system wed to Wisdom might be the means of the breakthrough that both rejuvenated profit making economic systems and enabled it and ourselves to ethically ascend as well? Number of times thought translates into self actualized reality after all.

All one really needs to do is keep looking at the beneficial temporal universe and mathematical realities of such policies while also opening yourself up to looking at the benefits of aligning the economy with the relevant aspect of the deep, integrative and resolving simplicity of the concept of grace as in Gifting…until you break through any and all of the orthodoxies that new paradigms historically have always destroyed.

Oh, and finally realize that all a new paradigm really needs to win the day is a platform that clearly communicates its benefits.

All of that accounting and conclusions are valid of course….under the current paradigm for the creation and distribution of new money known as Debt ONLY. However, all it takes is integrating the new monetary paradigm of Direct and Reciprocal Monetary Gifting strategically into the Debt Only system in a way that directly, individually and universally benefits both individual and commercial agents (at retail sale and the point of loan signing with debit and credit Gifting of 25-50%. Doesn’t mean debt will be banished, just reduced enough to stop the inevitable debt deflationary crises we see occurring increasingly often. All you need to do is alter the FED’s charter to rebate the various discounts of the policies of the new paradigm back to the agent giving them.
If you can’t sell immediately and continually doubling everybody’s purchasing power, potentially doubling the demand for every enterprise’s goods and services and the absolute end of inflation with a 50% Discount/Rebate policy at retail sale and reducing the amount borrowed by another 25-50% at loan signing with a similar application of accounting…you better get out of the politician, pundit or policy making business.