2026

Posted by chdwr

Please, CAPS are for emphasis not yelling.

Public banking and financial regulation are necessary things. However, the fly in the ointment of your argument is the fact that banks DO NOT LEND DEPOSITS. Instead they create NEW money with loans. And that isn’t even the deepest ECONOMIC problem of the monetary system…which is that ALL new money is created ONLY AS DEBT which enforces a monetary paradigm/APPLIED concept of DEBT ONLY….and the word “ONLY” designates it as a monopoly applied concept designates it as a monopoly paradigm…which is ENTIRELY ANALOGOUS to the Roman Catholic church’s monopoly paradigm of Salvation Via Roman Cathlic Sacraments…ONLYMONOPOLY PARADIGM OF SALVATION VIA ROMAN CATHOLIC SACRAMENTS…ONLY.

Monopolies of any kind are dominating, exclusionary and problematic because they fly in the face of the disctum that power corrupts and absolute power corrupts absolutely. Hence they cannot be ethically justified. This doesn’t mean there can’t be money created as debt, but breaking up that monopoly paradigm requires the signatures of every historical paradigm change which are COMPLETE conceptual opposition IOW from Debt ONLY to Debt AND Monetary Gifting and thus … because paradigms are APPLIED temporal universe concepts…temporal universe inversion of reality.

REFORMS ARE OKAY, but until one analyzes and ACTS conceptually/paradigmatically the problem WILL PERSIST because reforms are analogous to Ptolemaic Cosmology inventing epicycles to “fix” prediction of astral body movements…and thus to AVOID paradigm change.

Finally, cynicism is exposed as incorrect and irrelevant when you consider

1) that the truest of political truisms that “people vote their pocketbooks” IS TRUE and

2) the temporal universe reality is that the banks and the oligarchs are few and we the voters are many.

Finally, finally, Strategic Monetary Gifting with policies of a 50% Discount/Rebate at the various points of retail sale throughout the economic process is the best way to implement the new monetary and economic paradigm…along with the rest of the conceptually aligned reforms of UBI, Job Guarantee and Public Banking.

Arnnon’s response is in quotes in the following response by me:

First of all and again, you are into irrelevancies and mere invalidations. But here goes:

“What is the problem that persists?”

Its the currently enforced monopoly monetary paradigm for the creation and distribution of all new money AKA Debt ONLY…and which Strategic Monetary Gifting resolves…most efficaciously with a 50% Discount/Rebate policy at retail sale…and that aligns philosophically with Ellen’s correct advocacy for Greenbacks, Santan’s advocacy for UBI and Steve Keen’s advocacy for Debt Jubilee.

“What you call a cosmological “fix” is was at the time the best explanation to the evidence.”

Correct…for once. The only problem was it was false and merely an excuse that the orthodox could utilize to prevent paradigm change.

What is a paradigm in economics?”

A paradigm in whatever system is an applied concept. In this case its New Money As Debt Only and why thats relevant is that money is:

1) An excellent tool and an integral part of the economy

2) Money begins and sustains what makes things possible in the economy, or in the present paradigm’s case increasingly impossible

“Finally, finally, finally the question which was to be begged is begged.”

A mere and irrelevant attempt at invalidation.

“Paradigm shifts, cosmology, conceptual alignments reforms, fixes: You’re in an argument with yourself over your vocabulary.

No I’m not…you just aren’t following the insights regarding those factors.

“How can anyone else make sense of this?”

Because they can see the monetary, economic and philosophical relevancies of those factors…if they choose to actually look at them.

“Compare and contrast existing macroeconomic theories.

Then explain your new “new cosmological paradigm.”

Not enough time to do that except to point out what you did not get from my post which is that every other economic pundit’s accurate insights like UBI, Greenbacks, Job Guarantee and Debt Jubilee align very well with Monetary Gifting but that a 50% Discount/Rebate at retail sale is the best way to implement the new paradigm of Monetary Gifting…because EVERYONE MUST and Does participate IN RETAIL SALE which gives the policy instantaneous macro-economic effect…because macro-economics is about aggregates and EVERYONE is an aggregate…get it?

As to my new cosmological paradigm: Grace…as in graciousness/love in action/lovingness (not necessarily much of the religious orthodoxies that attend that concept and human capability)…has always been the solution…to EVERYTHING. Its simple, but then wisdom insights are and have always been…deep resolving simplicities. You just have to look at them to see them and get off your dead ass and self actualize and apply them in the temporal universe. Give it a shot will ya???

“Finally, finally, finally, finally show why the existing theories must be abandoned.

You know, like GALILEO, or NEWTON or EINSTEIN!”

You missed that I find agreement with most of the cutting edge theories I just re-posted above, and you also missed that Galileo, Newton and Einstein WERE INVOLVED IN PARADIGM CHANGES BECAUSE THEY RECOGNIZED THE PRESENT PARADIGM WAS ANOMALOUS AND FALSE…AND THEY ANALYZED THE PROBLEM CONCEPTUALLY/PARADIGMATICALLY…WHICH EVEN THE ABOVE THEORISTS i AGREE WITH…DON’T ADEQUATELY DO OR DO AT ALL…MOSTLY BECAUSE THEY HAVEN’T YET BECOME CONSCIOUSLY AWARE OF WHAT THE PRECISE NEW PARADIGM ACTUALLY IS…WHICH IS MONETARY GRACE AS IN GIFTING.

PR: Banks should be nationalized. They should serve their needed functions, but under the control of the people. They are like sewers, we need them, but we just need them to work and not to stink too much.

The notion that someone else has to make a profit from handling money is really rather bizarre. Handling money should be a utility, and those are best when under control of the people as this whole idea of ‘regulating monopolies’ never works.

Me: I completely understand the idea of nationalizing the private banks, but what if we let the central bank pay for 50% of your monthly payment to the banks??? Then, with the two Discount/Rebate policies and a reasonable UBI virtually everyone would be creditable. And then, if we created a true public bank that would fund anyone creditable at say a rate of 3%…that would force the private banks to fund loans at no more than 3%. And remember that by doubling everyone’s purchasing power with a 50% Discount/Rebate at regular consumer retail sale you’d only need a loan of $250k and then when the 50% Discount/Rebate is applied at the retail point of Finance which is one’s mortgage, automobile, insurance or other big ticket item’s monthly payment they could purchase a $500k house for only $250k at the home builder or home seller…and then when the bank creates the $250k that remains…the central bank pays for 50% of your monthly payment so that you now get a $500k house at the the equivalent payment of a loan for only $125k?

Pitch To Arizona Horizons

Posted by chdwr

What if a single policy could double not only every Arizonan’s purchasing power, but everyone in the nation as well? And not only that, but transform chronic inflation into beneficial price and asset deflation, while doubling the potential demand for every enterprise’s goods and services. In other words it out economic democracies voters on the left and out profitabilities those on the right and so it integrates the agendas of both major parties into a thirdness greater oneness that the first politician and political party that recognizes this could become the greatest majority coalition since The New Deal?

Finally, what if that single policy, because it resolves the affordability problem afflicting 90+% of the populace and is implemented at a point in the economy where everyone must and does participate in, was the greatest opportunity to self actualize gratitude since meditation and prayer? What could that do to lift the social mood from frustration and anger to thankfulness. In other words instead of going to the store and saying: “Damn! Oreos just went up another 10%! you could get $100 worth of groceries for $50 and say “Thank you Mr and Mrs. Merchant for doubling my purchasing power!”, and “Thank you Mr. and Mrs. Politician for finally getting the economy so right that every individual and every commercial agent benefits so much!”

My name is Steven Hummel. I’ve been a student of many of the best present day economic minds since The Great Recession in 2008. But I’ve done one thing none of these brilliant analysts are doing, and that is I’ve analyzed our systemic economic problems on the applied conceptual/paradigmatic level and so, as new paradigms are indeed applied concepts and permanently progressive resolutions to the anomalies/problems of the present paradigm, the policies I’ve innovated on that deeper level of research are more beneficial and lasting than any of the suggested reforms of the afore mentioned authorities.

I would love to present/be interviewed by Ted Simons on Arizona Horizons. My phone # is 602 769 6832 and my email is ataushumme@yahoo.com.

Thank you.

Pitch To Senator Kelly’s Staff

Posted by chdwr

My name is Steve Hummel. I live in metro Phoenix, and I’d like to make an appointment to speak with Senator Kelly or someone who will pass some innovative and problem resolving policies I have crafted, on to him. Policies that create both much greater affordability for the individual and simultaneously greater profitability for enterprise. My phone # is 602-769-6832 and my email address is ataushumme@yahoo.com.

Let me start by telling you how and why the policies I’m suggesting are politically powerful.

They’re implemented at a point that everyone must and does participate in meaning they have immediate aggregative/macro-economic effect
They address and resolve the affordability issue that 90+% of the voting populace is afflicted with
They benefit enterprise as much as they do the individual by creating both greater economic democracy and greater profitability and so
They integrate opposing political agendas into a third problem resolving applicability which means
It has the potential for the person and party that sees this to be the one that creates probably the greatest majority political coalition since The New Deal.

Now I’m going to mention the primary policy and 1 other policy of the entire policy program of what I call Wisdomics.

The primary and essentially break through policy is a 50% Discount/Rebate at both regular consumer retail sale and the retail point of Finance which is everyone’s mortgage, insurance, automobile or other big ticket item’s monthly payment. That means everyone gets to buy $100 worth of groceries or other goods or services for $50 so everyone’s purchasing power is mathematically doubled, and with the rebate aspect of the policy the merchant gets their full price of $100 plus the enterprise additionally benefits because the potential demand for their goods and services is also doubled, so its a win/win. This single policy transforms chronic erosive inflation into beneficial price and asset deflation for the individual and again without forcing enterprise to give up half of their price with the rebate. But wait! This policy isn’t done benefiting everyone. The 50% Discount/Rebate is also implemented when anyone buys say a $500k house. They get that house for $250k at the sale by the home builder or home owner and then when they go to the bank to borrow the remaining $250k that is routine except when the individual’s monthly payment comes due the central bank pays 50% of the total to the bank so the individual gets a $500k house for the equivalent payment of a $125k loan.

Affordability. The key economic problem for the individual is resolved. And even the banks benefit because with the doubling of everyone’s purchasing power and another policy of what I call Wisdomics-Gracenomics, a UBI or UHBI (Ultra High Basic Income)…virtually everyone is creditable instead of only 10-20% and so the market for the banks “product” is vastly increased.

(Explain how the policy is made real via the same present means of the central bank utilizing double entry bookkeeping to create money and so fund the government, the banking system and the economy…so it makes the central bank everyone’s BFF instead of just the handmaiden of the Banks monopoly monetary paradigm and their bail bondsman when that monopoly paradigm destabilizes the economy like in 2008.

Mention sliding scale required “tax” of purchasing power into 5-6% Eco-Energy R & D Treasury bonds and how it mitigates over consumption while initiating rational action toward the looming issues of our climate and energy crises.

Rebutt cynicism by showing how it transforms intelligent people into obstructionists who stop permanent and deep change before it even begins.

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

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 Richard J Murphy’s YouTube Video 01/27/2026

Posted by chdwr

You’re absolutely right. Its division vs unity. Unity being a major aspect of the natural philosophical concept of grace and graciousness being the active expression of love and policies being the actions of systems and nation states…makes it the answer to division/divisiveness. A simple, but pungent as in wise insight. So how do we proceed? You consider how to implement POLICIES that will effect graciousness. And probably the best and fastest way to start would be to apply a major aspect of grace, namely GIFTING to the economy and money system with a policy of a 50% Discount/Rebate at the point of retail sale. In other words the individual goes to the store and buys $100 worth of groceries and the merchant discounts that total so the individual only has to pay $50. Then the central bank (which the merchant has an account with) rebates $50…back to the merchant so he/she/it is made whole on their entire price, so no moral hazard there. The results: Everyone’s purchasing power is mathematically doubled, the potential demand for every one of the merchant’s goods and services is also doubled, chronic erosive inflation is transformed into beneficial price and asset deflation meaning The Quantity Theory of Money is invalidated and Milton Friedman turns over in his grave. Finally, participating in the economy (which EVERYONE must and does do by participating in retail sale) becomes the greatest opportunity to self actualize grace as in gratitude for a GIFT…since meditation and prayer. These are the transformative mental and temporal universe realities that occur when a paradigm change has taken place.

You can see this policy and the entire policy program for the new monetary and economic paradigm here: https://www.amazon.com/Wisdomics-Gracenomics-Paradigm-Theory-Economics-System-ebook/dp/B07PLNJLRN/ref=tmm_kin_swatch_0?_encoding=UTF8&qid=1552358772&sr=1-1-catcorr

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.

Duality vs Trinity and Grace Applied To Economics

Posted by chdwr

Duality is not the only philosophical and temporal reality, and is not the solution. The solution is a true integrative thirdness greater oneness of the duality under analysis.

Everything else is either a mere palliative reform or a poison pill false hope that does not resolve the actual and deepest problem, and so leaves the present paradigm’s anomalous effects and its oligarchy still in dominating control.

Find the key concept(s) responsible for the present paradigm’s anomalies, strategically apply the relevant aspect(s) of the natural philosophical concept of grace…which historically have always been the signatures and effects of every actual paradigm change.

Example: Macro-economics is riven with problematic falsehoods, conflicts and orthodox non-looking. Even though it takes place billions of times everyday since forever, no economist or present policy wonk other than me recognized the effectuating importance of policy at the point of retail sale. That is, it is the single aggregative as in universally participated in and hence macro-economically effecting point in the entire economic process. Thus a 50% Discount/Rebate as in the double entry bookkeeping operations of equal debits and credits that sum to zero at retail sale:

transforms chronic individual austerity of demand into reletive abundance,
chronic erosive inflation into mathematical and continuously beneficial price and asset deflation
resolves the present problematic/destabilizing monopoly monetary paradgm concept of Debt Only by effectively integrating the new monetary concept of Strategic Monetary Gifting into the Debt Only system and
serendipidously transforms the increasingly aggravating psychological effects of the above problems into the greatest opportunity to self actualize gratitude for a 50% gift of price…since meditation, prayer and Christianity’s introduction of the universally beneficial concept of grace.

Transformation, benificence/goodness/good will toward, resolution, integration and serendipity/surprising relevance…all aspects of grace.

Wisdomics/Gracenomics, the way forward, the way home.

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.

How You Can Personally Benefit, Help Free Everyone From The Dominating Monopoly Paradigm of Finance and So Become A Part of The Greatest Mass Movement and Evolutionary Psychological Advance In Human History

Posted by chdwr

Pre-lims:

All new money is created by double entry bookkeeping/the accounting operations of equal debits and credits that sum to zero.
By both private banks and the government.
New money is ALWAYS created ONLY AS DEBT making the current monetary paradigm concept for the creation and distribution of all new money DEBT ONLY AS IN THE BURDEN TO PAY AND ALSO TO REPAY…ONLY.
The word ONLY above designates a systemic business model or paradigm concept and their power as monopolistic.
All monopolies whether systemic or paradigmatic/conceptual are dominating and hence cannot be justified either economically or ethically.
The last monopoly paradigm we had to deal with was Salvation Via Roman Catholic Sacraments ONLY and that led to The Reformation, and the current monopoly monetary paradigm of DEBT ONLY requires us to have a monetary reformation.
Paradigms current and new are APPLIED concepts.
New paradigms are the second most progressive, evolutionary and both mental and temporal universe problem resolving insights and historical phenomena that homo sapiens has ever had.
The only historical phenomenon higher is a change in zeitgeist/ethic of the age.
The beneficial effects of every historical paradigm change and change of zeitgeist have always been an aspect or aspects of the natural philosophical concept of grace.
Mankind has had only one actual zeitgeist change from the mostly unconscious animalistic moral imperative of Survival ONLY to Self Awareness of Ethics/the rational contemplation of morals, and the current devolved zeitgeist of Power, Profit and Control needs be changed to Redeemed/Redemptive Power, Profit and Control.
Wisdom insights are deep resolving simplicities and trinities/thirdnesses that are greater onenesses of dualities/opposites/problems, and new paradigms are synonymous with Wisdom insights.

Benefits of the new monetary paradigm and its policies:

Answers/rebuttals to cynicism, current orthodoxies and arguments for palliative reforms when a new paradigm is recognized.