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Monetary Gifting: A Win/Win/Win Phenomenon

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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 Ann Pettifor’s Substack Newsletter 03/18/2026

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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

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

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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 Ellen Brown’s Scheer Post 10/05/2025

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Lots of agreement here about what the problem is. Wonderful! Now what we need to ask ourselves what is the most universally participated in and efficacious point in the economic process to implement the solution of debt free money, i.e. Monetary Gifts? Well, everyone participates in retail sale or if you’re a minor you’re effected by the price at that point. So if you implemented a 50% Discount/Rebate policy there you’d be able to get $100 worth of groceries for $50, a $60k EV for $30k and a $500k house for $250k. But wait! What is the retail point of Finance? Why its your automobile or mortgage payment? So with the 50% Discount/Rebate the central bank pays 50% of that payment meaning you get a $60k EV for the equivalent payment of a $15k loan and a $500k house for the equivalent payment of a $125k loan. And yet with the rebate aspect of the policy every commercial agent gets their full price or full amount of interest. The 50% Discount/Rebate policy finally universally and beneficially integrates the wholly exterior parasitical costs of Finance INTO THE COST CUTTING/FRUGALITY/COMPETITIVE/LEGITIMATE ECONOMIC PROCESS. Hence it ends Finance standing like a colossus astride the nation and the world and makes it just another business model that still needs to be sanely regulated and forced to be competitive by creating a CBBS Competitive Back-Up Banking system where if you’re creditable (read everyone with a $1000/mo universal dividend and the 50% Discount/Rebate at retail sale) one can get a 3% loan if the private banks won’t grant you that rate.

Finally, finally, with the above policies…its Christmas every day of the year, or if you’re my wife 3 times per day, only kidding honey, and makes participating in the economy the greatest opportunity to self actualize gratitude for a gift since meditation and prayer. Do you think that might take the edge off of the socially scary mood the US and the world is presently in?

Posted To Steve Keen’s Substack Newsletter 08/05/2025

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Finance is going to be able to game any reform that doesn’t address the most underlying economic problem which is a monetary and economic paradigm that requires the individual to pay the full price at retail sale, and as the retail point of Finance is one’s mortgage or other big ticket item payment, the full price of that payment as well.

Back before we had digital technology, accounting and fiat money systems it was understandable that the consumer pay full price because otherwise commercial agents wouldn’t have been able to survive let alone profit. But we have those tools now, and that opens a way to end Finance’s domination of virtually every individual and every other business model except Finance. That way is a 50% Discount/Rebate policy at the point of retail sale which doing the equal debits and credits would mean that $100 worth of groceries would cost the consumer $50 but the merchant would get their full price of $100 (the consumer gets $50 of price credit but with the $50 rebate debited back to the merchant [created preferably by the central bank] they get their full price). Likewise, your mortgage or other big ticket item payment could be reduced by half which means you get a $500k house for the equivalent mortgage payment of a $125k loan. (The home builder reduces the price to $250k but gets a $250k rebate from the central bank making them whole on their discount, and at finance the bank creates the remaining 250k and it goes to the home builder so they are whole on their entire price and you have a mortgage of $250k…but the central bank pays 50% of your monthly payment to the bank so your total monthly payment is the cost of a $125k loan).

This paradigm changing policy makes government or the central bank a benificent partner with every commercial agent and every individual agent and as a kicker not only transforms the aggravation of chronic erosive inflation into beneficial price and asset deflation it also enables us (if we’re smart) to consciously encourage everyone to self actualize gratitude for a gift of 50% or more of price…everytime they go to buy something…which would undoubtedly raise the general psychological tone of…everyone. Visualize it.

Oh sure, Finance is going to object to the fact that it breaks up their civilization-long dominating monopoly monetary and economic paradigm…despite the fact that the potential market for $500k houses just got quadrupled and the likelihood of default on mortgages has been vastly reduced…but fuck them. They are few and we are many, and if you just keep broadcasting the incredible benefits of this single policy to the general populace you could throw any complicit and foot dragging politician out of office if they didn’t forthwith legislate the 50% Discount/Rebate and the rest of the evolving policy program you can see here: https://www.amazon.com/Wisdomics-Gracenomics-New-Monetary-Paradigm-Policies-ebook/dp/B0C49B9PX7/ref=tmm_kin_swatch_0?_encoding=UTF8&qid=1552358772&sr=1-1-catcorr

Posted To Steve Keen’s Podcast 05/16/2025

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You’re quite right that neither the left nor the right think and/or are offering any kind of actual change in economics. And yes there is plenty of delusion around in economic theory, but what is the solution? Its a true Hegelian synthesis/thirdness greater oneness of the problematic duality you point at of capitalism vs socialism. And you guessed it, this thirdness greater oneness is accomplished by discovering and implementing the thing no one is talking about…the new monetary paradigm concept of Direct and Reciprocal Monetary Gifting with its entire policy program but most importantly, because it is the very expression of the new paradigm, a 50% Discount/Rebate policy at retail sale. That policy must be broadcast to the masses and demonstrated to them until until it becomes “an idea whose time has come”.

And who is going to say they don’t want to be able to buy $100 worth of groceries for $50, or a $60k EV for $30k at retail and then when they finance that $30k they only have to pay 50% of the monthly auto payment (because the auto payment is the retail point of an auto loan) which means they get a $60k EV for a payment of the equivalent of a $15k loan. Same applies for a mortgage where the home buyer sends you to finance a $500k house for only $250k because the government or central bank is sending them $250k as the retail sale rebate and then you go to finance which creates the other $250k and sends it to the home builder and yet the government/central bank pays half your mortgage payment so you’re getting a $500k house for the equivalent payment of $125k.

Again, who is going to not like this? No one. Who is going to demand this? Everyone. Even the banks can like it because the market for $500k houses that they get full $250k interest on just quadrupled because the consumer only has to pay half the monthly payment.

Plenty of other policies in the entire new paradigm program that stabilizes the beneficial deflation which slam dunks any gaming, cheating and ignoring of the new rules, that

mitigates over consumption by creating a huge investment incentive in eco-energy

R & D and infrastructure bonds at 5-6% with a sliding scale required “tax” of gifted income, etc. etc.

Pre-Lims To Presentations:

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  1. All new money is created by the accounting operations of equal debits and credits that sum to zero. In other words, the banks says: Here’s $1 million that we’re debiting to your account…now we’re crediting our account and you owe us $1million dollars plus interest. The government says: We’re creating $1million in treasury bond “debt” which is bought by the private sector because it is a guaranteed source of revenue until its term is reached at which time the PRIVATE investor is paid back the investment plus interest. Hence all critique of the national “debt” is a misunderstanding, and government “debt” is not the problem, but rather PRIVATE debt that continually builds up.
  2. The banks currently wield a business model monopoly for the creation and distribution of money. This is stupid enough, however they also wield a monopoly monetary paradigm of Debt ONLY. That is, they will not create any money except in the form of debt. There isn’t anything inherently wrong with debt, but a monopoly paradigm of Debt Only is DDDD (Dominating, De-stabilizing and Down- right Dumb). I’m not here to destroy private finance, only its dominace of 95%+ of the general populace and every other legitimate business model, by resolving the major economic problems we’ve been forced to deal with for the entire length of human civilization…by strategically integrating the new monetary paradigm of Gifting into the economic process.
  3. All new paradigm are at first considered absurd…until they are the answer to all of the anomalies of a current paradigm. Examples: (Rise of human consciousness/Nomadic Hunting & Gathering to Homesteading, urbanization and agriculture/Geo-centrism to Helio-centrism) This is because the new paradigm concept is always in complete conceptual opposition to the present one. The new monetary paradigm of Gifting is in complete conceptual opposition with the present paradigm. In other words (Debt Only As In Burden To Re-pay/Monetary Gifting).
  4. In view of the above in #3, cynicism is an intellectual sickness. One must brush past one’s intellectual cynicism because it is nothing other than self stopping without actual present time looking. As Sun Tsu said: “If you can convince the enemy there is no reason to resist you will win every war without a battle.”
  5. The beneficial aspects of every historical paradigm change have always been an aspect or aspects of the natural philosophical concept of Grace (Examples: increased consciousness of self, awareness that all others are also self aware and hence increased sense of the reality of ethics, Increased abundance and survivability, greater scientific and temporal universe awareness of truth and reality, and in the new monetary paradigm, fairness as in graciousness that ends domination).