2026

Posted by chdwr

Absolutely no argument with your assessment of neo-classical macro’s characterization of the money creation process. Problem is, enlightening that fact may enable clearer thinking about the matter and even effect some palliative reforms…but it won’t solve the biggest problem of money creation which is that the banks wield the monopoly paradigm for the creation and distribution of all new money, that is the APPLIED CONCEPT of Debt Only. This enables the banks to dominate every other economic agent both commercial and individual because the wonderful tool of money after all is both the agent of economic action and the very means of survival itself. So how stupid is it that we allow the banks to wield such MONOPOLISTIC POWER? Its obvious that Finance has been standing astride the world like a collossus since forever, first by the palace and now by the banks…and that will continue even if we invalidate neo-classicalism’s fallacies…because long standing paradigms, MOST especially monopoly paradigms are dominating and gather anomalies UNTIL someone figures out what the new paradigm is and how to most efficaciously APPLY it.

So like what we did with The Holy Roman Catholic Church dominating everyone with the paradigm of Salvation Via Catholic Sacraments ONLY we need to break up The Holy Modern Church of Private Banking’s Monetary Paradigm of Debt ONLY.

A few suggestions: 1a) Recognize that historically every new paradigm has always been in complete conceptual opposition to the present anomalous paradigm so in this case its from Debt Only to Strategic Monetary Gifting which is in the required complete conceptual opposition but also still allows lending but breaks up the monopoly aspect of the present paradigm 1b) give every economic agent both individual and commercial an account at the central bank 2a) Implement a 50% Discount to the consumer/Rebate back to the commercial agent policy at retail sale and mandate that the central bank rebate the monetary gifts to make the commercial agents whole on their gifted discounts to the consumer which policy inverts the chronic realities of inflation into beneficial price and asset deflation 2b) do the same policy at the retail point of Finance which is one’s monthly mortgage, automobile, insurance or other big ticket item payment. 3) check out a bunch of other policies that stabilize and secure the new monetary paradigm to the benefit of all…even the banks here: https://www.amazon.com/Wisdomics-Gracenomics-New-Monetary-Paradigm-Policies/dp/B08X7MZ4KH/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1552358772&sr=1-1-catcorr

Posted To Steve Keen’s Substack Newsletter 01/15/2026

Posted by chdwr

Instead of a provably fallacious orthodoxy of equilibrium how about implementing a continuously graceful and stable flow of the economy and yet wherein you can have controllable cyclical ups and downs…with a policy that has aggregative as in macro-economic effect…because the aggregate of EVERYONE participates in and/or is effected by it, namely a 50% Discount/Rebate at retail sale…utilizing the exact same tool and process that virtually all new money is created and distributed by presently, namely double entry bookkeeping? Here’s a list of some of the beneficial and problem resolving effects of this single policy:

1) It transforms chronic erosive inflation into beneficial price and asset deflation for the consumer and yet with the rebate aspect of the problem it guarantees the merchant gets their entire price.

2) It immediately and continuously doubles the potential purchasing power of the individual and hence the potential demand for every enterprise’s goods and services thus ending chronic austerity of individual demand while integrating the up until now opposed self interests of merchant and consumer.

3) It invalidates Freidman’s dictum regarding inflation and the Quantity Theory of Money unless you’re so terminally orthodox that you’re unwilling to look at its effects and hence unable to think a new thought…not unlike neo-classical economists.

4) It breaks up the current human civilization-long monopoly monetary paradigm for the creation and distribution of all new money (Debt Only) with the new applied concept/paradigm of Strategic Monetary Gifting…by discovering and applying a concept that is in complete conceptual opposition to the present paradigm (Debt Only as opposed to Strategic Gifting).

5) And just as a kicker…if we’re smart enough to CONSCIOUSLY do so…it would be the greatest opportunity to self actualize graciousness as in gratitude for a gift since meditation and prayer…and you won’t even have to chant the right words, just go to the store and buy something. So why don’t we all “overturn the tables of the money changers”, put a smile on our faces and increase economic security and freedom like never before? Or we can all just get so frustrated by Trumpian Chaos that we end up mistakenly slugging our neighbor who may or may not be a Trumpist/fascist.

Good Synopsis of The Problem and Policies To Solve it

Posted by chdwr

Yes, power is addictive and as Lord Acton said absolutely corrupting. The only business model that hasn’t innovated in some constructive way (their derivatives debacle in the GFC doesn’t count as constructive) is Finance. And think about it, Finance’s monetary paradigm of Debt Only as the sole form and vehicle for the creation and distribution of new money hasn’t changed for the entire course of human civilization no matter whether it was the Palace or the private banks that was in control. We live and labor under Finance capitalism afterall. But rather than get into the ubiquitous (false) duality of capitalism vs socialism, which Finance is happy to see us expend all of our mental energies on, why not try finishing Hegel’s dialectic with a true synthesis, that ups our analytic game from mere reform and theoretics to the level of the operant applied concept/paradighmatic level which is the core of the core economic problem. As Dr. Keen correctly said: “Neo-classical macro ignores money, debt and banks”. I’d only add that its the monopolistic monetary paradigm of Debt Only wielded by the private banks that is what desparately needs changing…because it keeps our deepest economic problems in continual suspension and enables them to rise from the ashes of their own folly like in 2008. We DO need to make competition and innovation not only alive but vibrant. Thats why in my book I suggest creating a new governmental department called The Department of Competition, Innovation, Boycotting and The Public’s Bully Pulpit where weekly press conferences would point the finger at CEO’s and corporations that try to game the new monetary paradigm, whose policies double everyone’s purchasing power, potentially doubles the available demand for every enterprise’s goods and service and ends price and asset inflation by of all things implementing beneficial deflation, and asks the question: Well Mr. John Q. Public, what are you going to do about these guys that are trying to undo the 100% increase in purchasing power the new paradigm just granted you, eh?

Posted To Mish Shedlock’s Blog 01/02/2026

Posted by chdwr

Like every current economic problem a 50% Discount/Rebate policy at the retail/exchnge point of the problem…is the solution. So just have the central bank pay 50% of everyone’s monthly social security payment and the trust fund is secured until basically forever. If the FED can inject hundreds of billions of free debtless dollars into a handful of too big to fail banks in a matter of days as I posted here they did a few days ago…then they could do the same for the human civilization-long neglected individual economic agent at the various retail/exchange points throughout the economy…and resolve inflation, potentially double the demand for every enterprise’s goods and services and prevent the Debt Only paradigm wielded by the banking/money system from serially de-stabilizing the economy since forever. You want beneficial deflation like every libertarian says they do? Then implement a 50% Discount/Rebate at retail sale and get $100 of groceries for $50, a $60k EV for $30k and a $500k house for $250k…and avoid all of the pain of allowing the current way deflation occurs and that libertarians tend to overlook. You want tax cuts? Then have the FED fund a reasonable universal dividend of say $1000/mo. to everyone 18 years of age and older…not with treasuries/debt instruments but as electronic cash. Then who needs the payroll taxes for welfare and unemployment insurance? Make the 50% retail Discount include sales taxes and you’ve increased the funding to non-sovereign governments decentralizing and increasing their ability to provide infrastructure etc.

So many solutions…if one only opens their mind and looks at the effects of the new monetary and economic paradigm instead of only computing on orthodoxies that paradigm invalidates.

JD: What you are proposing would result in roughly 20% yoy inflation for several years, a net loss to “beneficiaries”.

Me: Being able to purchase $100 worth of groceries for $50 is a funny kind of inflation. And of course you expose yourself as a liberatarian moral and ethical moron by not recognizing (or not carring) that individual commercial agent inflation is actually an anti-social act. It also exposes the fact that “free” market theoretics isn’t free at all but rather the chaotic delusion of COMPLETE FREEDOM…including the freedom to commit unethical behavior. The minds of terminally orthodox libertarians live on a different planet than other humans do where ethics are real and necessary. And your problem is solved by allowing commercial agents to increase their prices 2-3% per annum and any revenue they may garner from higher inflation is taxed at a rate of at least 100%. There is only freedom amongst know and enforceable barriers

Posted To Steve Keen’s YouTube Video 11/30/2025

Posted by chdwr

All of what you say regarding neo-liberalism is correct. Full stop. However, the even deeper problem is that macro-economics almost entirely abstracts out the individual agent and thus it sets up an ethic that says Man was made for Systems…rather than Systems were made for Man. We need an ethical/humane macro-economics. We can accomplish that by integrating a new monetary paradigm of Strategic Monetary Gifting into the current monopoly paradigm for the creation and distribution of all new money which is Debt ONLY. The word ONLY designates it as a monopoly paradigm the same as Salvation Via Roman Catholic Sacraments ONLY was a monopoly paradigm and The Reformation ended that inhumane/unethical reality. We require a monetary reformation or the current dominating monetary paradigm wielded by the private banking system will continue to stand astride the world like a collosus…forever. I’m not suggesting we eliminate debt altogether, that would simply replace a monopoly paradigm with another monopoly paradigm. However, if we implemented a policy of a 50% Discount/Rebate at retail sale 50% of all new money would be a gift that benefitted both commercial agents AND individual agents and (because your monthly automobile, mortgage or other big ticket item’s monthly payment is the retail point of finance) the retail discount policy would integrate finance into the actual economic/productive system instead of allowing it to be a dominating and very costly exterior parasite on everyone and the actual economic system. Applying the 50% Discount/Rebate at the retail point of finance would actually benefit the banks because if everyone got a 50% discount on price for consumer goods and then an additional 50% reduction when they bought a big ticket item (example: a $500k house is reduced to $250k at its purchase point, and then the central bank paid 50% of your monthly mortgage payment the individual gets that $500k house for a payment equivalent of a $125k loan)…the market for mortgages quadruples or more because virtually EVERYONE IS CREDITABLE!

GW: Complimenting Steve Keen: Super! From Ptolemy to Copernicus in Economic theory. Better late than never!

Me: Not quite. His systemic analysis is all perfectly true, but his remedy is more like Ptolemaic cosmology’s “epicycles”, that is, a (false) fix because it doesn’t penetrate to the core problem which is the monopoly monetary and economic CONCEPT of Debt ONLY.

Posted To Ellen Brown’s Scheer Post 11/17/2025

Posted by chdwr

Me: I’m all for public banks, but the change from private to public banking doesn’t enable the kind of total problem resolving and temporal universe change as a change in the nature of credit ITSELF…from Debt Only to Debt and Strategic Monetary Gifting. A change in CONCEPT is a change in paradigm because…paradigms are themselves concepts…like the change from geo-centrism to helio-centrism for instance. The private banks and even a public bank will still only create money as debt. Again, the only way to break up their monopoly paradigm concept of Debt Only is to integrate the new monetary paradigm concept of Gifting…into the Debt Only current system…like with a 50% Discount/Rebate policy at retail sale. That way a $500k house is discounted to $250k and the government or central bank rebates the entirety of the discount back to the home builder so they are made whole on their entire price. And then, as your monthly mortgage payment is the retail point of Finance, the government or central bank pays for 50% of your monthly payment so you get a $500k house for an equivalent mortgage payment of a $125k loan. Nice huh? But wait, the benefits don’t stop there. For instance make the 50% Discount/Rebate include all sales taxes and the non-sovereign state, county and local governments get 50% of their revenues paid by the federal government…Not you…and with GIFTED money…NOT debt. Inflation? Getting $100 worth of groceries for $50 and a $500k house for the equivalent of $125k is a funny kind of inflation called beneficial price and asset deflation.

DP: Canada’s central bank went from private to public in 1938. Since then its money creation went from about 50% of the economy, to 23% in the early 1970’s, to less than 5% today. Form, follows function, follows form etc. Without the proper feedback structure, it’s only a matter of time before regulatory capture results in less public consideration. Just like the CDC and FDA, as was recently exposed.

In the U.S. binary economics ties credit creation to the INDIVIDUAL through Section 13 of the Fed Reserve Act, the discount window. 0% interest loan, only for the purchase of shares in existing or new productive proper, onetime bookkeeping fee, collateral by insurance.

You can start with 2 minute video, watch the 10 minute video on the Economic Democracy Act on the home page at gjmer.org

My home province has an institution far superior to the Bank of North Dakota, the other publicly owned ‘state’ bank in North American. It is the Alberta Treasury Branches, designed by REAL social crediters. Alberta autonomy or independence can lead to this shaking off the Supreme Court of Canada ruling against money creation.

Me: Dan, Did you see my post above? The 50% Discount/Rebate at retail sale is an innovation of Douglas’ Compensated Retail Price and is a full concept/paradigm change in the economy and money system. Douglas was way ahead of everyone else with Social Credit, but like virtually everyone he lived within his present cultural horizon with classical economics’ orthodoxy of general equillibrium and hence never considered a high percentage CRP. Also, he preceeded Kuhn’s analysis of paradigms/operant concepts.

Posted To Mish Shedlock’s Blog 11/10/2025

Posted by chdwr

Yes indeed, its the start of UBI…except its UBI still unconscious of the new monetary paradigm of Strategic Monetary Gifting. If you create money as a gift…you don’t have to pay (almost entirely only to the banks and the wealthy who don’t actually need an extra padding to their pockets) the interest on treasuries…so you end all of the delusion about “the national debt” which is actually a payment to the private sector…that adds to GDP and prevents us from forthrightly going into a recession…without it.

Now if instead you strategically implement monetary gifting at a point in the economic process THAT EVERYONE PARTICIPATES IN like retail sale with a 50% Discount/Rebate you transform chronic erosive inflation into beneficial deflation…just like libertarians would like to see happen…except they can’t get past Milton Friedman and The Quantity Theory of Money…which the new monetary paradigm policy of a 50% Discount/Rebate INVALIDATES.

What else does the new paradigm do? Well, if you pair the 50% Discount/Rebate with a reasonable $1000/mo. UBI a two person family would have $2000/mo that purchased $4000 worth of goods and services or $48000/yr. not including their job incomes. SO WHY WOULD WE NEED THE PAYROLL TAXES FOR WELFARE AND UNEMPLOYMENT INSURANCE??? So the new paradigm enables us to accomplish another libertarian goal which is eliminating government bureaucracy. DID YOU GET THAT MISH?

How’s this: If the US is monetarily sovereign, which it is, then, with the new paradigm policies above except to discourage negative behavior like “greedflation” etc. …why couldn’t we just create money as money…not debt and fund the government that way. Voila! Little or no personal or corporate taxation at all. I can out libertarian any libertarian…and out democrat any democrat at the same time. Why’s that? Because historically paradigm changes are resolving thirdnesses greater onenesses…of dueling opposing concepts like capitalism vs socialism. In this case its neither capitalism nor socialism…its Wisdomics-Gracenomics.

All new money is created by double entry bookkeeping. Not my opinion just a fact. Mandate that the central bank create the money simply as money and NOT DEBT like now and do the double entry bookeeping of equal debits and credits that sum to zero for everything at its point of retail sale so $100 of groceries only costs the consumer $50 and the central bank rebates the $50 worth of discounts back to the merchant so they get their full price of $100. $60k EV only costs $30k and then your loan payment is the retail point of Finance so the central bank pays for 50% of your loan payment so you get a $60k EV for the equivalent payment of a $15k loan. $500k house is discounted twice so you only pay the equivalent of a $125k loan. Everybody gets their full price, the market for virtually everything is doubled or even quadrupled and everyeconomic agent individual and commercial is happy, happy, happy. Don’t be a dipstick and look at it. Especially if you’re a libertarian or socialist…because it makes both of those utterly opposed theorists very happy.

Posted To Peter Diamandis’ Substack Newsletter 11/07/2025

Posted by chdwr

Yes, if there is one thing more important and more fulfilling than money its fulfill…ment itself. However, the truth is, presently, there’s actually one thing even more important than money and that is power. And where is the most power? Thats right Finance’s ability to create new money…only as debt. That’s a MONOPOLY paradigm of Debt ONLY. Now there’s nothing inherently wrong with debt itself. Again, only its dominating monopoly character. The last monopoly paradigm we had to deal with was Salvation Via Roman Catholic Sacraments ONLY and the result was The Reformation. Breaking up the monopoly monetary paradigm would be the first best step in the direction you suggest we’re headed because its the deepest, most underlying and probably the most unperceived problem of the current situation. And what is the new monetary paradigm? Well historically new paradigms have always been in complete conceptual opposition to the present paradigm and that new concept always resolves the deepest problems of the present anomalous paradigm by creating an integrative thirdness greater oneness of that seeming unresolvable duality. So put this altogether and you get a new paradigm of Strategic Monetary Gifting…not Gifting Only which would simply set up another monopoly paradigm, but for instance one place to implement monetary gifting would be at retail sale because everyone participates in retail sale. So a 50% Discount/Rebate policy at retail sale would mathematically double everyone’s purchasing power and simultaneously double the potential demand for every enterprise’s goods and services while transforming chronic erosive inflation into beneficial price and asset deflation (the consumer gets $100 worth of groceries for $50, a $60k EV for $30k and a $500k house for $250k…and yet the grocer, car dealer and house builder get their full price with the rebate aspect of the policy. Finally, this single policy would be the greatest temporal universe opportunity to self-actualize gratitude for a gift since meditation and prayer, both of which are only inward activities, so its actually an integration of opposites (inward and outward universes) in and of itself.

Posted To Steve Keen’s Substack Notes 10/24/2025

Posted by chdwr

Systemic/Scientific/Reductive analysis is all well and good and Dr. Keen’s use of these is excellent. However, doing so doesn’t penetrate to the deepest and most powerful level which is the conceptual/paradigmatic level. As Einstein said: “Everything should be made as simple as possible, but not simpler”. Well, we know that paradigms are single concepts that create new mental and temporal universe realities. THATS SIMPLE, POWERFUL, DEEP AND PERMANENT CHANGE…unlike systemic analysis alone which without recognizing the current paradigm and implementing the new core and operant concept will never achieve more than palliative reforms or worse yet get morphed into something like delusive neo-classical economic theory.

To analyze paradigmatically you have to get past some mental hurdles like acculturative unconsciousness, the egoistic tendency to frame everything as a duality only IOW only morally right and wrong instead of ethically…since ethics are the rational consideration of morals…and thinking with the mindset of trinity/thirdness greater oneness because Wisdom/the mindset of integrating opposites in order to find solutions to apparently unresolvable dualities…has always been associated with “the third way”. Finally, you have to get inside of the primary new paradigm concept itself and look for additional reinforcing aspects of it that will stabilize and increase its reality and workability. Kepler’s discovery of elliptical orbits instead of perfect circles was what really made helio-centrism more accurate than geo-centrism for instance. Viz the new monetary and economic paradigm of Strategic Monetary Gifting which ends the current monopoly paradigm of Debt Only as the sole form and vehicle for the creation and distribution of all new money, this would be looking at the additional monopoly paradigm of The Consumer Alone Must Be The ONLY Agent To Pay Full Price. Break that monopoly up by having the government or central bank pay for 50% of the price of everything at retail sale with new MONEY instead by Debt ONLY…and you transform chronic erosive inflation into beneficial price and asset deflation, double everyone’s purchasing power…and make debt jubilee continual instead of a one off that doesn’t actually solve the Debt ONLY paradigm because it leaves the private banks in control of it.

Speech Regarding Wisdomics-Gracenomics Tailored To Students and Political Officials

Posted by chdwr

Wisdomics-Gracenomics: A New Monetary Paradigm

Annotated Presentation Script

[This script is designed to be adaptable for both student and official audiences. Annotations in italics provide speaking notes and audience-specific adaptations.]

Opening: The Question That Changes Everything

Good [morning/afternoon], everyone. I want to start with a simple question that most of us have never seriously considered:

Where does money come from?

[Pause for effect. Most people assume money is created by government printing, but this is largely incorrect in modern economies.]

If you’re like most people, you probably think the government prints it. But here’s the surprising truth: Nearly 100% of the money in circulation today—the money in your wallet, your bank account, your paycheck—was created when someone, somewhere, took out a loan.

[For students: This is why understanding economics matters for your future. For officials: This affects every policy decision you make.]

Every single dollar represents someone’s debt obligation. Think about that for a moment. Our entire economic system is built on the foundation of debt and scarcity.

But what if there was a better way?

Part I: Understanding Our Current Monetary Paradigm

The Debt-Only Money System

[Display slide showing loan creation process]

Here’s how money actually enters our economy:

Bank makes a loan of $1,000
Bank creates $1,000 in new money (the principal)
Borrower owes back $1,000 + interest
But the bank never created the money to pay the interest

[Pause to let this sink in]

This creates a mathematical impossibility. If all money is created through loans, but borrowers owe back more than was created, where does the extra money come from?

[Answer: It comes almost entirely (upwards of 97% of all new money created per year) from other people taking out more loans, creating an endless cycle of PRIVATE debt growth]

The Consequences We Live With

This debt-only system creates predictable problems:

Chronic inflation (more money chasing goods as debt grows)
Wealth concentration (interest flows to money creators)
Economic instability (boom/bust cycles as debt becomes unsustainable)
Psychological stress (economic participation based on anxiety and obligation)

[For officials: Every constituent deals with these consequences daily. For students: This will shape your entire economic future.]

Part II: The Trinity Framework – A New Way of Thinking

Beyond Either/Or Economics

Traditional economic thinking presents us with dualities:

Either keep the current system OR completely overthrow it
Either have inflation OR have deflation
Either debt-based money OR no systematic money creation

But wisdom traditions throughout history have recognized that the most elegant solutions often come from transcending apparent dualities through a third option that integrates the best of both sides.

[This is where the philosophical framework becomes practical policy]

The Third Way: Grace-Based Money Creation

What if we created money through grace/gifting instead of debt?

What if every time money entered the economy, instead of creating an obligation, it created an opportunity for gratitude?

This isn’t wishful thinking—it’s practical policy.

Part III: The Core Policy – How It Actually Works

Retail Price Gifting: The Mechanism

[Display slide showing transaction example]

Here’s the elegantly simple mechanism:

Customer shops for a $100 item
Merchant offers 50% discount → Customer pays $50
Monetary authority rebates merchant the full $50 discount
Result: Customer saves 50%, merchant gets full price, new money created through a gift not debt

The Accounting Reality

[Important for skeptical officials or economics students]

This maintains exactly the same accounting principles as our current system:

Debit: Banks/Monetary authority’s books (-$50)
Credit: Merchant’s account (+$50)
Sum: Zero, just like current money creation

The difference isn’t in the math—it’s in the human experience.

Universal Impact

This single policy would:

Double everyone’s purchasing power (50% discount on everything)
Transform inflation into beneficial deflation (abundance-driven price decreases/mathematical effect to price at retail sale)
Create universal economic participation (everyone experiences the gift because everyone participates in retail sale)
Maintain business profitability (merchants made whole through rebates)

[For officials: Imagine explaining to constituents that you helped double their purchasing power. For students: Imagine entering an economy where your dollar goes twice as far.]

Part IV: The Complete Policy Framework

Ecological Investment Component

To address the obvious question: “Won’t this cause unsustainable consumption?”

Answer: Implement a slding scale percentage of all gifted money must be invested in energy and ecological research and development bonds at an attractive rate of 5-6%.

Key insight: People are investing with gifted money, not their earned income, so it still feels like receiving a gift while funding the sustainability transition we desperately need.

Tax Integration

The 50% discount includes all state, county, and local taxes:

Citizens pay 50% less in total retail prices and also in sales taxes
Local Governments receive full percentage of sales taxes and more in total revenue because of increased consumption due to the increased purchasing power created by the 50% Discount/Rebate policy
Political tension around taxation largely eliminated

[For local officials (and federal one as well for advocating for the 50% Discount/Rebate policy at retail sale including sales taxes in every purchase): Imagine never having to raise local taxes again because half of all such tax revenue is automatically funded through the monetary authority. Remember the old but true political saw: People vote their pocketbooks.]

International Trade Enhancement

Instead of punitive tariffs, we offer export gifting:

Makes domestic goods more competitive internationally
Demonstrates paradigm benefits to other nations
Encourages cooperative rather than competitive trade relations

Part V: Historical Context – The Power of Paradigm Shifts

Learning from History

Throughout human history, the most transformative changes have come from paradigm shifts:

Agricultural Revolution: From hunting/gathering to farming
Scientific Revolution: From superstition to systematic inquiry
Democratic Revolution: From authoritarian to participatory governance
Industrial Revolution: From manual labor to mechanized production

Each paradigm shift:

Solved previously intractable problems
Created lasting benefits that persist for generations
Eventually spread globally because the advantages became undeniable
Became “common sense” within a few generations

Why Paradigms Succeed

Successful paradigms share common characteristics:

They work better than existing systems
They solve multiple problems simultaneously
They create benefits for broad populations
They’re practical to implement
They spread organically due to superior outcomes

Wisdomics-Gracenomics meets all these criteria.

Part VI: Addressing Practical Concerns

“This Sounds Too Good to Be True”

[Anticipate this response, especially from officials]

The skepticism is understandable. But consider:

The accounting is identical to current money creation
The mathematics are sound (purchasing power doubles, prices to the individual reduced by 50% ad yet retail merchants get full price with rebate)
The precedent exists (governments already create money through various mechanisms)
The benefits are measurable (purchasing power, beneficial deflation, increased investment levels)

Implementation Strategy

Phase 1: Pilot programs at municipal or regional levels Phase 2: State/provincial implementation with federal cooperation
Phase 3: National implementation with international coordination Phase 4: Global adoption as benefits become undeniable

[For officials: You could be pioneers of the most beneficial economic transformation in human history. For students: You could be the generation that experiences the transition to abundance-based economics.]

Risk Management

Economic risks: Minimal—maintains same accounting principles Political risks: Low—universal benefits create broad support Implementation risks: Manageable through gradual rollout International risks: Positive—demonstrates superior economic model

Part VII: The Vision – What This Creates

Personal Impact

Imagine your daily economic life when:

Every purchase offers an opportunity for gratitude
Your purchasing power has doubled
Economic participation enhances rather than diminishes your dignity
You’re automatically investing in humanity’s sustainable future

Social Impact

Imagine a society where:

Economic abundance is experienced universally
Gratitude becomes embedded in daily commerce
International trade is based on mutual benefit
Environmental innovation is structurally funded
Wealth concentration becomes democratic instead of only for the rich as is currently increasingly the case

Global Impact

Imagine a world where:

Nations compete to offer the most gracious economies
Economic systems serve human flourishing
Abundance thinking replaces scarcity thinking
Monetary policy serves ecological sustainability

[This isn’t utopian dreaming—it’s practical policy with transformative implications.]

Conclusion: The Choice Before Us

For Students

You’re entering an economy built on debt and scarcity. But you don’t have to accept this as permanent. You can be part of the generation that chooses abundance and grace instead.

Study these ideas. Understand the mathematics. Explore the philosophy. And when you’re in positions of influence, remember that better alternatives are possible.

For Officials

You have constituents struggling with inflation, debt burdens, inadequate purchasing power, and economic anxiety. You also have the power to champion policies that could fundamentally improve their lives.

This isn’t about partisan politics—it’s about practical solutions that benefit everyone. The question isn’t whether these policies would work, but whether we have the wisdom and courage to implement them.

For Everyone

We stand at a potential paradigm shift moment. The current monetary system is a choice, not a natural law. We can choose something better.

The trinity framework suggests that when we’re faced with apparent dualities—like debt versus reform, inflation versus deflation, competition versus cooperation—the wisest path often lies in transcending the duality entirely.

Wisdomics-Gracenomics offers that transcendent path: a monetary system based on grace that works within existing structures while transforming their human impact.

The Call to Action

Students: Become informed advocates for better economic possibilities Officials: Explore pilot implementations and consult with monetary economists Citizens: Support leaders willing to consider transformative change Everyone: Recognize that we can choose abundance over scarcity, grace over debt, cooperation over competition

The most powerful force for positive change is a new idea whose time has come.

The question is: Will we recognize this idea’s time when it arrives?

Thank you.

Q&A Preparation

[Common questions and suggested responses]

Q: “Won’t this cause massive inflation?” A: Actually, the opposite. When purchasing power doubles but production capacity remains constant, prices naturally deflate to equilibrium. Unlike deflationary spirals caused by money scarcity, this is deflation caused by money abundance—economically and psychologically very different.

Q: “How is this different from just printing money?” A: The accounting is identical to current money creation, but the distribution mechanism is fundamentally different. Instead of money entering through debt (which creates obligation and anxiety), it enters through gift (which creates gratitude and abundance).

Q: “What about international competitiveness?” A: Domestic goods become extremely competitive internationally due to lower internal prices. We can extend this advantage through export gifting rather than punitive tariffs.

Q: “Won’t people just become lazy if everything is cheaper?” A: The ecological investment requirement channels some increased consumption toward sustainability. Also, people still work for their income—they’re just able to purchase more with what they earn.

Q: “How do we pay for this?” A: The same way we pay for current money creation—through the accounting operations of the monetary system itself. No taxpayer funding required.