politics

Posted To Ellen Brown’s Scheer Post 10/06/2026

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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?

Posted To Steve Keen’s Substack Newsletter 09/11/2026

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Quite correct regarding neo-classicals. But there’s another problem that lurks in human minds which is the failure or refusal to look at innovations…that actually affirm correct systemic analysis and increases the benefits of such innovations to all agents…like my 50% Discount/Rebate policies at the various points of retail sale.

You recently did a video where you said that decreasing private debt would increase the velocity of money and so stabilize the economy which I completely agree with. Thats why I’m wondering why you’re not on the bandwagon for the above policy because if everyone’s purchasing power is mathemtically doubled by that policy (everyone can purchase $100 worth of goods and services for only $50) and when the policy is applied at the retail point of finance (one’s mortgage, insurance, automobile or other big ticket item’s monthly payment) the already 50% reduced price of a $500k house ($250k) means the borrower only pays half of that monthly payment and yet with the rebate aspect of the policy the central bank pays the private bank 50% of the $250k loan payment which reduces the individual’s private indebtedness by 75% or the equivalent monthly payment of a $125k loan.

Such is the “miracle” of applying the reciprocality aspect of double entry bookkeeping and its over looked trinitarian effect namely a temporal universe reduction in cost/price/indebtedness with the 50% Discount/Rebate policy…and that would increase the velocity of money, yet implement beneficial price and asset deflation and with the rebate aspect of the policy every merchant gets their full price so no moral hazard there.

Other than a few additional rules to be followed by commercial agents in opting into this policy do you have any response to these effects…excluding the difficulties of getting it implmented which statistically do not appear valid to me?

Steve Hummel 09/11/2026

Posted To Ellen Brown’s Scheer Post 09/02/

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What were greenbacks? Monetary Gifting…its just that they weren’t distributed strategically and reciprocally so as to resolve the problematic monetary and economic paradigm that the Banks have wielded against every other economic agent individual and commercial.

(CAPS ARE FOR EMPHASIS NOT YELLING)

But what if we used the way money is created (the double entry bookkeeping operations of equal debits and credits that sum to zero) but INSTEAD OF AS DEBT ONLY WHICH IS THE PRESENT ANOMALOUS PARADIGM…we created and distributed it as a reciprocal 50% Discounted GIFT/Credit of price at retail sale and the central bank was mandated to Rebate/GIFT/Debit the monies equal to the merchant’s discounts back to them???

That would mean that the consumer could purchase $100 worth of goods or services…for only $50, a $60k EV for only $30k and a $500k house for only $250k and yet with the rebate aspect of the policy the merchant gets their full price. Its freshman algebra where -50 + 50 = 0 loss of revenue but a doubling of individual purchasing power and potential demand for every merchant’s goods and services IOW the dictionary definition of good economic times. Now thats a funny kind of inflation, especially if you’re Milton Friedman who will turn over in his grave when we awaken to the efficacy of such a paradigm changing SINGLE policy AKA Direct and Reciprocal Economic and Monetary Gifting at the various points of retail sale. But then, thats what new paradigms do…they resolve the anomalies of the present paradigm by inverting its enforced applied concept (from the monopoly paradigm of Debt Only to the integrative new paradigm of Debt AND Strategic Economic and Monetary Gifting.

Ask yourself this: What is significant about the various point(s) of retail sale? Its two things: the terminal expression point for inflation and the only point in the economy THAT EVERYONE MUST AND DOES PARTICIPATE IN AND HENCE A POLICY IMPLEMENTED AT THAT POINT HAS INSTANTANEOUS AGGREGATIVE AS IN MACRO-ECONOMIC EFFECT…and utilizing double entry bookkeeping as the incredible tool it is with the 50% Discount/Rebate at regular consumer retail sale enables all of beneficial inversions of reality described above…as well as many others not mentioned.

Prelims To Presentation

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The FED is the ultimate monetary authority and even though the Treasury creates money to cover the deficit only with debt, that is bonds, the FED could fund and carry all of those bonds on its books and also directly distribute money not as debt to pay for government and also at strategic points in the general economy. All it would take would be to amend the FED’s charter in order to do that. Finally, the basic reason that the FED was made arm’s length from the government was so that it couldn’t legislate the policies of the new paradigm AND SO BREAK UP THE MONOPOLY PARADIGM THAT THE BANKS WIELD TO DOMINATE EVERY AGENT IN THE ECONOMY AND SO ALSO SERIALLY AND UNCARINGLY DESTABILIZE THE MACRO-ECONOMY BY OVERWHELMING IT WITH DEBT.

Money is created by the banks and by the Treasury ONLY AS DEBT, IOW AS A MONOPOLY PARADIGM CONCEPT KNOWN AS DEBT ONLY. This is the heart of the problem, so please keep it in mind. They do this simply by utilizing the double entry bookkeeping operations of equal debits and credits that sum to zero. The primary policies of the new monetary and economic paradigm use the exact same accounting operations…just with a different concept.

Paradigms are key reality creating and changing applied concepts and are several orders of magnitude more powerful, beneficial and long lasting than mere palliative effects. Systemic analysis is good, but conceptual that is, paradigmatic analysis is much deeper…and in the last 12 years I’m the only person I have seen who analyzes the economy and the money system conceptually/paradigmatically.

Scepticism is one thing. Cynicism is quite another. Cynicism is stopping before one even begins and hence is what I refer to as erudite duncery. Sun Tsu the Japanese war strategist said that if you can convince the enemy that there is no reason to resist you, you will win every war…without a single battle. That describes cynicism perfectly.

The trick to achieving the incredible benefits of the new paradigm program is to simply keep broadcasting and modeling those benefits to individual voters and just ignoring any orthodox objections and rebutting any stubborn refusal to look at them…again by simply modeling them until they see them. In the mean time the following facts favor the new paradigm:

  1. We, that is every individual economic agent and every commercial agent are many, and those who would object to the new paradigm…even though it would also benefit them…are few. And
  2. the truest of political truism’s is that people vote their pocketbooks, and the policies of the new paradigm do this in spades.
  3. In fact they do so for the vast majority of the voting constituencies…of both parties. And thats why the policies are so politically powerful because they integrate the self interests and stated goals of that seeming unresolvable political divide.

So let me begin with the primary policy of the new paradigm program: The 50% Discount/Rebate at the various points of retail sale throughout the economy

Regular Consumer Retail Sale, then proceed to the other retail points.

Steve Hummel 08/31/2026

Posted To Steve Keen’s Substack Newsletter 08/28/2026

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It is correct that the money multiplier and loanable funds theories are false. Full stop. Likewise with the “problem” of “the national Debt.” However, rectifying the thinking around these fallacies does not penetrate to the level of actual solutions, only palliatives to one degree or another, unless and until one analyzes money on the conceptual/paradigmatic level. Paradigms/APPLIED concepts current and new are what changes both mental and temporal universe realities. Thus failing to analyze the system conceptually places the cart before the horse.

Banks do create money. That is not the problem. The problem is they create money ONLY AS DEBT/a monopoly paradigm and then when various poorly or completely unregulated forms of speculation, “innovations” like derivatives as we saw before the GFC of 2007 and other more legitimate speculative investments like AI these “externalities” cause a crisis. However, the system with the present monopoly paradigm is basically unstable all by itself its just that the above make it more rapidly so.

The trick is to find a place/places to implement the new paradigm, which is always in complete conceptual opposition to the present anomalous paradigm (read in this instance Strategic Monetary Gifting vs Debt Only), that directly inverts and resolves the problems of inflation, monetary and demand austerity and the system’s basic instability itself…for all economic agents…and that point is regular consumer retail sale and the retail point of finance as well with a policy of a 50% Discount/Rebate at these macro-economic as in universally participated in points in the economy. That is a paradigm change in a single policy…and with the rest of conceptually aligned policy program, ties up the rest of the strings in a complex system like the economy and a universe that is innately emergent.

Finally, realize that all of the remedies of the current problems are actually monetary gifting in one way or another like UBI, job guarantee, debt jubilee, its just that they aren’t sufficiently universally and continually effective…like the above policy at the points of retail sale. Thus they are palliatives that don’t change/invert the systemic realities.

Finally, finally, give everyone, every commercial agent and also the government (already accomplished) an account with the central bank and mandate that it create and fund the Rebate aspect of the 50% Discount/Rebate and Mission Accomplished! for real this time. And consider that taxes are the retail point of the government deficit and every individual and commercial agent is the paying party so the 50% Discount/Rebate policy reduces taxes by that percentage. Not even the oligarchs and the banks could bitch about that.

Why Does Government Have To Pay The Total Costs For Everything It Legislates And Everyone Has To Pay For The Total Costs of Everything They Buy As Well…

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…when the ultimate monetary authority is the central bank and it could just create the money necessary to pay for 50% of the benefits government identifies as rationally needed and 50% of the cost of everything we buy when we go to the store as well?

Why not just mandate that the central bank create and distribute 50% of the cost of all such government legislation and also 50% of the price of every good and service at its retail point in the economy???

“It will cause massive inflation!” say the economists. Well, if you can buy $100 worth of groceries or other consumer products or services for only $50 at the point of retail sale…thats a funny kind of inflation.

“It will sky rocket the national debt and the taxes needed to pay for those services!” say the conservative and even the liberal politicians. Well if the central bank just created and distributed 50% of the cost of all legislation with money…not bonds IOW not debt…that would reduce the amount of taxes individuals and enterprise needed to pay to cover those costs and benefits BY 50%…and thats a funny kind of “necessary” increase in both taxes and debt.

“Thats harmful and over bearing!” say the people who wield the present paradigm. Well, if doubling the potential demand and hence the potential profit for every enterprise’s goods and services including the services of the private banks, IOW paying the bank 50% of everyone’s monthly debt payment…thats a funny kind of harmfulness and overbearingness for everyone…including the private banks.

And all of these and other economic problems are caused by finance insisting that all new money must only be created and distributed as DEBT, in other words a monopolistic and so dominating and harmful monetary and economic paradigm concept of DEBT ONLY…and integrating a directly distributive and reciprocal monetary paradigm into the DEBT ONLY system with a 50% Discount/Rebate policy at the retail points of the economy and also of government costs solves virtually all of the long standing economic problems everyone is forced to endure because of the present paradigm.

The last monopoly paradigm we broke up was Salvation Via Roman Catholic Sacraments ONLY and that was known as The Protestant Reformation.

We need a new monetary and economic reformation of Direct and Reciprocal Strategically Distributed Monetary Gifting at the retail points of the economy with a 50% Discount/Rebate policy at retail sale.

Let us have such a gracious economy and gracious government.

Steve Hummel 08/25/2026

Pitch To Arizona Horizons

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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

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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.

  1. They’re implemented at a point that everyone must and does participate in meaning they have immediate aggregative/macro-economic effect
  2. They address and resolve the affordability issue that 90+% of the voting populace is afflicted with
  3. They benefit enterprise as much as they do the individual by creating both greater economic democracy and greater profitability and so
  4. They integrate opposing political agendas into a third problem resolving applicability which means
  5. 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.

Speech Outline About The New Monetary and Economic Paradigm

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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:

  1. 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
  2. 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.
  3. An available job guarantee for anyone desiring employment
  4. 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
  5. 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
  6. 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
  7. 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%
  8. 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
  9. 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
  10. 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

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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