Win Phenomenon

Posted by chdwr

The third most important insight of the new monetary and economic paradigm is the realization that the retail point of Finance is one’s monthly automobile, insurance, mortgage or other big ticket item’s payment, and the 50% Discount/Rebate policy applied there means even the banks whose “product” of Debt has up until now always been a wholly exterior and additional very costly parasite on the rest of the economic process…now with monetary gifting actually gets integrated into that process in a beneficial and irresistible way. How? By amending the FED’s charter in order to mandate that they rebate/gift the bank 50% of everyone’s monthly debt contract. So with the 50% Discount/Rebate at both consumer retail sale and financial retail sale as well its a win for the consumer, the regular consumer merchant and also the banks. In other words its a win/win/win.

By the way the most important insight is that the concept behind every historical paradigm change has always been an aspect or aspects of the natural philosophical concept of grace which means all one has to do to implement a paradigm change…is find the relevant aspect of grace and apply it to the system, body of knowledge or area of human endeavor and voila!…paradigm change.

The second most important insight is that changing the monetary and economic paradigm with grace as in Gifting integrates spirituality into economics because its the greatest opportunity to illicit/self actualize grace as in gratitude.

The fourth most important insight is that retail sale is the single inherently macro-economic point in the entire economic process because macro-economics is about aggregates and the aggregate as in everyone must and does have to participate in retail sale makes its effect macro-economic.

The fifth most important insight is the powerfully resolving and beneficial effect of the 50% Discount/Rebate at regular consumer item(s) at retail sale itself.

Posted To Nick Cook’s Substack Newsletter 03/25/2026

Posted by chdwr

A great post as always. What you’re actually describing is the process of paradigm/pattern change itself which is a process toward a thirdness greater oneness of the evolution of truth, of applicability and progress in a system, body of knowledge or area of human endeavor…and occasionally of multiples of such patterns, what I refer to as mega-paradigm changes and especially, especially if one of the changes in such a mega change is serendipitous as in surprising because it apparently has no relation to the problem under analysis…at all.

And this is why I would like to suggest that perhaps one of the key thing the cosmos is trying to awaken us to is the necessity of a change in the monetary and economic paradigm where Strategic Monetary Gifting breaks up the present monopoly paradigm for the creation and distribution of all new money which is the enforcement that new money can only be Debt while it also resolves the anomalies that economic theory has unsuccessfully been plagued by, mostly because of the refusal, hidden agenda or acculturated inability to look at and see that a paradigm change in this area is screamingly urgent. This monopolistic paradigm has been in force for the entire history of human civilization, and because money is the very tool of temporal universe actions…or inability to act if Finance, which wields this paradigm, deems one or the entire society uncreditable…so again its WAAAY over due for paradigm change.

Finally, serendipitously, integrating Monetary Gifting into the monopoly paradigm of Debt Only with a reciprocal policy of a gift of a 50% Discount of the price of virtually everything at retail sale (which everyone must and does participate in) and a rebate back to the merchant granting it to the consumer…makes the merchant whole on their entire price…and the serendipitous nature of this is it creates a temporal universe system that evokes gratitude for a gift instead of an economy that is a continual occasion for frustration, anger and cynicism. Pardon, but visualize it and the entire policy program in my book Wisdomics-Gracenomics Here: https://www.amazon.com/Wisdomics-Gracenomics-New-Monetary-Paradigm-Policies-ebook/dp/B0C49B9PX7/ref=monarch_sidesheet_image

Posted To Ann Pettifor’s Substack Newsletter 03/18/2026

Posted by chdwr

Thats why I suggest that central banks’ charters be amended to enable them to create and distribute the rebate aspect of a 50% Discount/Rebate policy at both regular consumer retail sale and also at the point of Finance’s retail sale which is one’s monthly mortgage, automobile, insurance or other big ticket item. What are the effects of such policies? Well, that means that EVERY INDIVIDUAL AS IN AGGREGATIVE/MACRO_ECONOMIC EFFECT could get $100 worth of groceries for $50 which transforms chronic erosive inflation into not only painless, but joyous price and asset deflation…and the merchant gets their full price with the rebate that the central bank gives them for the discounts they gave to the consumer…so everyone is happy. Now do the same at the point of Financial retail sale and the $500k house that the consumer goes to Finance the $250k remaining balance after the regular consumer 50% Discount/Rebate has been applied means that the central bank pays the bank 50% of the monthly payment on that $250k loan…so the consumer gets a $500k house for the equivalent payment on a $125k loan.

There are numerous other regulatory policies that can also be applied to stabilize the paradigmatic monetary and economic effects of this single policy in the entire program of what I refer to as Wisdomics-Gracenomics, but the above mathematical and temporal universe effects are staggeringly real, and just as a kicker they also effect continual debt jubilee instead of just a one-off form of same but just lets Finance go right back to dominating everyone with their monopoly paradigm for the creation and distribution of all new money AKA Debt ONLY. And finally, this policy enables us, if we’re smart enough and wise enough, to create the greatest opportunity to self actualize gratitude for a GIFT since meditation and prayer because of a price/discount and money/rebate for both agents at retail sale…and you don’t even have to chant the right words or thank the right deity to receive it, all you have to do is go to the store and buy something. In other words its the very first integration of spirituality and economics/a temporal universe system…EVER.

Systemic analysis? Very good. Conceptual/Paradigmatic analysis? Essential, if you want lasting systemic change instead of merely palliative/temporary/gameable effects. Integrate the two and they can result in the Hegelian trinitarian effect of a thirdness greater oneness of a problematic duality.

[ (thesis x antithesis = synthesis} ]

The biggest thing about the new monetary paradigm of Strategic Gifting actually and serendipitously has nothing whatsoever to do with economics or money, but rather that it would create the very first temporal universe system, which everyone must and does participate in, that would elicit and self actualize gratitude which is a powerful and transformative experience and aspect of the natural philosophical concept of grace.

You want a simplification that creates dramatic change? Make the fruits of the concept of grace your own reality SIMPLY BY PARTICIPATING IN A UNIVERSALLY REQUIRED ACTIVITY LIKE GOING TO THE STORE TO BUY SOMETHING because graciousness is the ultimate wisdom and both wisdom insights and paradigm changes are deep resolving simplicities.

Steve Hummel 03/19/2026

Narrative Of Speech To Students

Posted by chdwr

Please listen up. I’m about to show you how you can reduce your student debt by at least 50% and get $2000 worth of purchasing power every month when you reach 18 years of age for the rest of your life. Ignore any of the nay sayers or terminally orthodox who are simply unconscious of the current way money is created and just as unconscious of how that must change in order to usher in secure monetary abundance for everyone.

So let me demonstrate the two policies that will make what I just said the reality for everyone. Can I have two of you come here and stand next to each other? Okay, You’re the retail merchant and you’re the consumer…and I’m the central bank whose two present mandates are to control inflation and promote employment. So here’s the first policy: a 50+% Discount/Rebate at retail sale. Okay so you Mr. Consumer you go and buy $100 worth of groceries and at check out the merchant gives you a 50% Discount. Then you Mr. Merchant you do what all merchants do when they post to their Sales Account except this is their Sales Discounts Account…they send me, the central bank, that account and I rebate back to the merchant every cent of the discounts they have given their consumers making them whole on their entire price. Its elementary accounting/double entry bookkeeping.

So Mr. Consumer how much did you pay for your $100 worth of groceries? $50 Thats right. And you Mr. Merchant how much money did you get for your $100 worth of merchandise? $100 Thats right.

Now, lets apply this policy with you buying a $60k EV and a $500k house and you being both the merchant and the Bank. Okay you go and agree to buy a $60k EV and the car dealer reduces his price to $30k…and then when you go to Finance you sign a contract to pay for $30k…But wait! What is the retail point of Finance? That’s right its your monthly automobile, insurance, mortgage or other big ticket item’s monthly payment…and the 50% Discount/Rebate policy is implemented there as well, so you pay for 50% of that total amount…and I, the central bank rebate the other 50% of that monthly payment back to the bank. So lets do the demo on those two points of the 50% Discount/Rebate policy. $60k discounted to $30k and merchant receives the other $30k from me, then $30k monthly payment is say $800 but you only pay $400/mo. because I pay the bank $400 every month so you get that $60k EV for the equivalent monthly payment of a $15k loan. And the same thing occurs when you buy a $500k house which is the equivalent monthly payment of a $125k loan. Yipee! Both consumer and merchant are happy and the economy potentially doubes in size so its good all the way around.

Now lets get to the next policy, the $1000/mo. universal dividend you get at age 18 and for your entire life. With that $1000 and the 50% Discount/Rebate at retail sale you can purchase $2000/mo. worth of goods and services…for life! And if you borrow to pay your tuition you’re payment is cut in half again exactly like with the EV or mortgage. Do the calculations of the purchase and finance of your tuition:

So you could pay for your college education and still have enough money to take your squeeze out to dinner and an ice cream cone a couple of times a week while you’re going to school. Nice huh?

Lots of other beneficial policies that resolve the rest of the economy’s problems and answer every objection I’ve ever heard with real world rebuttals here: https://www.amazon.com/dp/B0C49B9PX7

Speech Outline About The New Monetary and Economic Paradigm

Posted by chdwr

Pre-lims: Please keep in mind these basics:

Virtually all new money is created with the tool of double entry bookkeeping also known as Accounting…and this not the problem.

When you want to build a skyscraper or a robust monetary and economic system you need the right tools and the best, strongest and most long lasting infrastructure.

The present framework of “Free” Market Theoretics is largely a fetisized misnomer for what it actually enforces which is complete and total freedom which in the human universe is a delusion because of the little thing called ethics. You can’t walk into a theater and yell “Fire!” and you shouldn’t allow a delusional economic body of thought to be enforced on everyone by Finance and by a captured government…especially if it ignores the necessity of enforcing the rationality that is ethics. This honest look at “free” market theoretics exposes why attempts to fix problems in the economy…has not worked basically since forever. “Greed flation” and other deleterious and unethical commercial and speculative actions are given permission to destabilize the economy because of this generally unrecognized problem. But the truth is, human freedom exists only within known and enforceable barriers…and when you create a true thirdness greater oneness, like the paradigm changing policies of Wisdomics-Gracenomics does, it not only keeps agents’ ethics in it actually greatly increases the freedom…within those barriers. Addendum: Ethics is the rational consideration of mere moralism.

Duality is about identifying and affirming problems, that is scientific analysis, and trinity is about indentifying and applying systemic solutions, that is, conceptual/paradigmatic analysis…and we need both types of analysis, but failing to include the latter will generally blunt one’s ability to see entire pattern solutions by examining the concepts/ideas that underlie and enforce systemic realities, which is what paradigmatic analysis is…and paradigm changes actually do. And so again, without trinitarian/conceptual/paradigmatic analysis you’re left with only palliative reforms at best…but with Wisdom/Trinitarian insights, which have always been associated with “the third resolving way”, your analysis is in fact deeper and more resolving.

All monopolies are exclusionary, anti-competitive and dominating, and hence they inhibit freedom, innovation and progress, and hence cannot be ethically or economiclly justified. Also, monopolies generally parade themselves as necessary orthodoxies and solutions and so are false and negative trinities. For instance, the last monopoly paradigm we effectively dealt with was the Roman Catholic Churches Salvation Via Roman Catholic Sacraments ONLY…and the word ONLY designates it as a monopoly paradigm which led to The Reformation.

The current monetary and economic paradigm: 1) Has been in continual effect since the first day of human civilization 2) Has been enforced no matter whether by the Palace/Government or by Private Banking 3) Is a generally agreed upon very anomalous/problematic paradigm and 4) Is also a monopoly paradigm known as Debt ONLY as the sole form and vehicle for the creation and distribution of virtually all new money. What we need is a Monetary and Economic Reformation.

Here is probably the most important realization one can have in considering the new monetary and economic paradigm or in considering both systemic or personal problems: The concept behind and beneficial effects of every historical paradigm change has always been an aspect or aspects of the natural philosophical concept of grace. That is, grace as in unity/oneness, abundance, resolution, integration/synthesis, a new and higher state of personal consciousness/realization as well as a permanent and progressive inversion of temporal universe realities and increased freedom/freeness, like for instance grace as in Gifting/The Free Gift…which brings us to the new monetary and economic paradigm which can be described as Grace As In Strategic Monetary Gifting.

What I’m not advocating: I’m not advocating making everything completely free which would simply be replacing one monopoly paradigm with another monopoly paradigm of Gifting ONLY. I’m for effectively integrating Monetary Gifting into the present monopoly paradigm of Debt ONLY so as to break up and remedy its anomalies and create a thirdness greater oneness and progressive unity of economics and the money system.

I’m also not advocating for either socialism or laissez-faire capitalism, but to the thirdness greater oneness I refer to as a Wisdomics-Gracenomics.

So here is the primary policy of Wisdomics-Gracenomics, and a few of the additional stabilizing and re-inforcing policies of the new paradigm:

A 50+% Discount/Rebate policy at the several points of retail sale (regular consumer retail, financial retail (one’s automobile, insurance, mortgage or other big ticket item’s monthly payment) and a lesser percentage discount at commercial retail from one commercial agent to another on the route toward consumer retail sale
A reasonable universal dividend available at age 18 for life based on everyone’s cultural heritage over the last several centuries of increased technological productivity and innovation of $1000+/mo.
An available job guarantee for anyone desiring employment
A back up Public Banking system that will guarantee creditable individuals credit (virtually everyone with the policies above) if the private banks will not abide by the resolving and stabilizing policies of the new paradigm
Making the Discount/Rebate at retail sale permanently at least 52% while allowing enterprise to increase their profit margins by 2% per annum, and indexing the same Discount to an honest and accurate rate of monthly inflation over the 2% allowance, and taxing any revenues garnered via “greed flationary” actions at a rate of at least 100%. Finally, all present and traditional discounts must be kept and computed first before the final 52%+ is applied to final price. There will be no gaming greedflationary diminshment to this policy by commercial agents who benefit just as much if not more so than the individual agent
Creation of a new Government Department of Competition, Innovation, Potential Boycotting and The Individual’s Bully Pulpit which would have at least monthly press conferences that would expose transgressions of the policies of the new monetary and economic paradigm
A sliding scale percentage “tax” of Gifted money/purchasing power in lieu of actual income tax, required to be invested in Eco-Energy R & D bonds at an attractive rate of 5-6%
The 50+% Discount/Rebate at retail sale policy will include all sales taxes thereby aiding and undoubtedly increasing non-sovereign state, local and municipal governments collect such taxes
One of the additional beneficial effects of the combination of the retail Discount/Rebate, the Universal Dividend and job guarantee policies is their combined purchasing power lifts every adult above the poverty level and hence there will be no need for the payroll taxes that both individuals and enterprise pay for welfare and unemployment insurance
Creating a Wisdom Counsel above the legal counsel of the Supreme Court, that would decide the rational/ethical effects/implications of the decisions of The Supreme Court, based on the many relevant aspects of the natural philosophical concept of grace as in the active temporal universe expression of love.

Posted To Steve Keen’s YouTube Video 02/04/2026

Posted by chdwr

UBI and UHI are great policies…because they applications of the new monetary and economic paradigm of Strategic Monetary Gifting. A way to supercharge the benefiial effects of these policies while ending inflation would be to implement a policy of a 50% Discount/Rebate at the various points of retail sale including the retail point of Finance (one’s monthly mortgage, automobile, insurance or other big ticket item’s payment). That way a UHI of say $2500/mo. would give every adult $5000/mo worth of purchasing power and a two person household $10,000/mo or together $120,000/yr. , and if you can find employment that income is doubled as well. So lets have AI (with the one proviso that it is imbued with a human sense of ethics just to be on the safe side). A 50% Discount/Rebate at retail sale also resolves/transforms chronic erosive inflation into beneficial price and asset deflation (you get $100 worth of groceries for $50 and with the 50% discount of Finance included you get a $500k house for $250k at consumer retail sale and your mortgage payment on the loan is 50% paid for by the central bank so you’re getting a $500k house for the equivalent monetary outlay of a loan of $125k. The 50% Discount/Rebate policy also simultaneously doubles the potential demand for every enterprise’s goods and services so its effect is to stabily create “good economic times”. Even the banks will benefit from this policy because the market for their product (debt) is vastly enlarged because now everyone is creditable. Toss in a few other taxation policies with real regulatory bite like enabling 2% per annum inflation but if you inflate despite the benefit of the potential doubling of demand you’ll pay a tax on any revenue garnered from such percentage increase of at least 100%. In other words innovate and compete, don’t inflate…or else. Google Wisdomics-Gracenomics and get the evolving policy program of the new monetary and economic paradigm.

Posted To Ann Pettifor’s YouTube 02/03/2026

Posted by chdwr

The core problem is the current anomalous monetary paradigm for the creation and distribution of all new money, that is the applied and reality enforcing concept of Debt ONLY. The word ONLY designates it as a monopoly paradigm exactly like Salvation Via Roman Catholic Sacraments ONLY described the paradigm that The Reformation resolved. We need a monetary reformation/paradigm change. Historically all new paradigms are in complete conceptual opposition to the present paradigm and the new paradigm’s application totally inverts the prior paradigm’s enforcing reality for instance the Copernican cosmological paradigm change from geo/ego-centrism to helio/other than ego centrism. Paradigm changes are both mental and temporal universe phenomena and policies are the actions of systems so the opposite concept/reality of Debt as in the burden to pay/repay ONLY would be policies of Monetary Gifting. MMT is correct in identifying government deficits as payments to the private sector in other words a form of Gifting. Steve Keen advocates for “a modern debt jubilee” which is also monetary Gifting. UBI/Universal Dividend is also monetary Gifting. However, the most efficacious way to implement Monetary Gifting would be with a 50% Discount/Rebate at the various points of retail sale throughout the entire economic process…because EVERYONE must and does participate in/experience the effects of retail sale which in this case would be 1) the transformation of chronic erosive inflation into beneficial price and asset deflation 2) the mathematical doubling of everyone’s purchasing power and thus the potential demand for every enterprise’s goods and services 3) the transformation of chronic individual monetary austerity into universal relative monetary abundance and 4) just as a kicker would be the greatest opportunity to self actualize grace as in gratitude for a Gift of price/cost since meditation and prayer. We need a Wisdomics-Gracenomics.

Of course stabilizing a new paradigm would require an entire policy program and additional insights in the system/body of knowledge under analysis like Copernicus’ correct concept needed Gallileo’s observation of the orbits of the moons of Jupiter to establish that a helio-centric system was possible, and Kepler’s discovery of elliptical orbits to make helio-centrism actually more accurate than Ptolemaic cosmology. Ann I think your insights regarding the destabilizing effects of speculative finance is not unlike Kepler’s contribution and my additional assertion that “free” market theoretics is actually a fetishized belief in TOTAL FREEDOM and so is a misnomer for chaos because it ignores/does not realize that actual human freedom only exists within known and enforceable barriers.

Posted To Steve Keen’s YouTube Video 01/20/2026

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?