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The deadly fault of the current system is insistence on keeping intact the very power structure that has caused our current reality. The results of any system are largely determined by its most fundamental aims. If the aims are further concentration of both economic and political power in a tiny oligarchical minority, then the results will approximate those aims. No solutions are possible from the within the system. We must first, in one way or another, take away their power to set systemic goals, followed by redefining the systemic aims to serve We The People. In order to achieve this we must undergo an alchemic transformation from We The Sheeple to We The people. Apparently this is an act proving to be as difficult as turning lead into gold. ;-)

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A New Monetary System with A New National Bank

A Nation’s Monetary System could be, and should be, this simple…..

A Nation’s money is owned by the citizens of the Nation.

The value of a Nation’s money is determined by the productivity (labor) of the Nation’s citizenry as expressed in the quantity and quality of the goods and services produced by the Nation’s citizenry.

A Nation’s Treasury Department adds money to a Nation’s economy through a National Bank.

A Nation’s Treasury Department subtracts money from a Nation’s economy through tax collection, i.e. Internal Revenue Service.

A National Bank manages the Nation’s money supply.

Loans increase a Nation’s money supply.

Loan repayment and taxes decrease a Nation’s money supply.

Loan interest rates control how quickly a Nation’s money supply will increase.

Tax rates control how quickly a Nation’s money supply will decrease.

A National Bank is owned by a Nation’s citizens and therefore the interest received from loans will never be siphoned off as profits to any private owner.

Only independent sovereign nations can establish a National Bank to manage the Nation’s money.

The National Bank is subordinate to the Nation’s Treasury Department.

The National Bank does not sell ownership rights to the Bank to citizens using stocks or bonds.

The National Bank is forbidden from buying and owning and trading assets, including stocks, bonds, and mortgages, both domestic and foreign.

Only the National Bank is authorized to create money by making loans to citizens and businesses, to Federal Government Agencies, and to State and Local Government Agencies.

National Bank Branches will be located in each Postal District throughout the nation.

National Bank Branches will manage loans:

Issuing, setting interest rates, evaluating applicant’s loan needs and applicant’s capability to repay their loan’s interest and principal.

Loan Types:

Monthly Revolving Credit Card:

The higher the monthly credit card limit, the higher the interest rate.

Transportation Vehicle Loan:

The more expensive the vehicle, the higher the interest rate.

Home Mortgage Loan:

The more expensive the home, the higher the interest rate.

Personal Loan:

The higher the loan amount, the higher the interest rate.

Business Loan for Business Expenses:

The higher the loan amount, the higher the interest rate.

New Business Start-Up Loan:

The higher the loan amount, the higher the interest rate. A maximum loan amount will be determined based upon risk of success or failure of the New Business. New Businesses can seek loans from non-Bank investment lenders.

Federal Government Agencies:

The National Bank will issue loans to Federal Government Agencies that will be repaid from Federal property and sales taxes, and tariffs.

State and Local Governments Agencies:

The National Bank will issue loans to State and Local Government Agencies that will be repaid from State and Local property and sales taxes.

Loans and taxes can only be paid in Bank money.

There shall be no Federal, State, and Local income taxes (personal and business). There shall only be Federal, State, and Local property and sales taxes.

Only the Federal Government can levy tariffs.

Loan interest rates and tax rates are modified to control the money supply, and thereby inflation.

Government agencies contract goods and services from citizens and businesses and other government agencies.

Federal, State and Local Government agencies submit budget requests to their governing elected representatives. Budget requests will either be approved, denied, or modified by the governing elected representatives. Approved budget requests are recorded in a national database that National Bank managers can search to confirm loan applications from Federal, State and Local Government agencies.

Welfare is a no-interest non-repayable loan (gift) to citizens based upon their poverty.

Welfare recipients have to agree to a contract with the National Bank requiring the welfare recipient to change their detrimental and self-destructive lifestyle behaviors and habits, fulfill training goals, and fulfill minimum employment requirements.

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Wow! Holy cattle, William. I’m copying your post for further dissecting and incorporation within my own solutions. Like Lincoln and Kennedy tried to accomplish, then murdered by war-bankers to switch it back into their control to intentionally screw it up for profit, each country needs it’s own currency with fair trade taxes at each nations boarder…after we kill the Federal Reserve and incarcerate Powell, Biden, Trump… Electricity And Clean Water Is virtually Free, which in 70% of the solution. It’s just a matter of building public Utilities for the growing private sector-individual and our legitimate, democratic, limited governments; utilizing superconducting electricity grids to balance out an abundance.

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Addendum:

Only independent sovereign nations can control their own money supply by loaning and taxing, while individual citizens can control their personal money supply (wealth) by loaning (investing) their personal accumulated money supply (wealth) to other citizens and businesses, domestic and foreign.

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Yes, exactly.

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Addendum 2:

The National Bank of an independent sovereign Nation does not need investors to buy National Bank stock and/or bonds in order for the National Bank to then loan that money to borrowers.

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Only independent sovereign nations can control their own money supply by loaning and taxing, while individual citizens can control their personal money supply (wealth) by loaning (investing) their personal accumulated money supply (wealth) to other citizens and businesses, domestic and foreign.

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“Outsourcing of vital manufacturing, decay of infrastructure maintenance and improvement, privatization of public goods, and loss of machine tool powers simply resulted in the transfer of wealth into the hands of a small elite, and the stripping of nation states from the economic sovereignty they once enjoyed.”

Matt, you have referenced the privatization of public goods in several articles and that notion seems counterintuitive to me. Can you give a couple of examples of that and how it transferred wealth? Every time I read it, it sounds like you’re advocating for socialism of some sort, but I can’t figure it out. Thanks!!!

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Our economy is not an economy. A real economy is much like a farm. The output can never exceed the input. This is certain for labour — labour is not only physical work like say fertilizing, plowing, seeding, maintenance, irrigation, harvesting, shipping to market. Labour is applying a set of knowledges and know-how every day or else the output will not balance the input. This is an economic model practiced every year by hundreds of thousands of farmers.

Of necessity the farmer interacts with dozens of intermediaries; providers of fuel, fertilizer, machinery, etc. and service providers; bankers, wholesalers, accountants, etc. and governments. Without food there is no economy. It is almost impossible for a farmer to gain by corrupting his enterprise.

Though the farmer may inevitably be forced to corrupt his enterprise. Intermediaries like seed providers may introduce seed which is modified and leads to mono cropping and a gradual disappearance of seed variety. Banksters! may raise interest rates which may cause some farmers to declare bankruptcy. Wholesalers may bid down crop prices. Seed companies like Monsanto come to monopolize seed production specialized fertilizer and their pricing power may force some farmers out of business. The farmer’s accountant may sell the business to a larger firm and the cost of acquisition has to be amortized so the new accounting firm raises their prices.

Then the farmer is forced to sell. Who buys the farm? Probably a buyer with deep pockets. Probably a buyer who already own thousands of acres. Maybe the buyer is a corporation. Maybe the corporation is listed on a stock exchange. Corporations as a rule are run by people who understand the intricacies of juicing valuations. The corporation clears the farms they buy of buildings. Corporate lawyers and corporate accounts understand exactly how to avail their corporate farming enterprise, of every single government farm support rebate, tax abatement, incentive, as well as how to embellish the book price of the farms they purchase.

Financial leveraging occurs when the stock market price for the land when added to the existing portfolio is valued up, i.e. leveraged up, and for accounting purposes depreciated. Or leveraged financially. Borrowing far more money pledged against the value of the land than the farmer received when he sold the land. Maybe 20x as much. Share prices are peculiar animals.

Say the farmer earned $100,000 after expenses and taxes. Certainly the farm produced more revenue than $100,000. Say the raw land without the financial restraint which the farmer faced

is made way more productive. …The corporation avails itself of volume discounts for seed and fertilizer. And better bank financing. And deploys the most up to date machinery when plowing, seeding, and applying fertilizer and cropping, etc. and maybe finds a way to depreciate the value of the land for tax purposes which does not affect the book value of the land for stock market listing purposes — clearly the machinations available to the corporation justifies accumulating land.

The fly in the ointment is this: The farmer may have had a line of credit the bank refused to increase. Maybe he had no mortgage on the land. But after the corporation has run the land through the financial sausage machine the land may in fact be burdened with a cascade of counterparty debt.

Probably will be. The land is used to leverage the price they paid for the land into the stratosphere.

I used here farming and land to illustrate the way corporations emerge from an easily digestible example. But the same consolidation of enterprises is always taking place. The more efficient consolidates the less efficient. Is it only more efficient in the abstract? Is the crop better? Is it adulterated? Do extensive corporate links enable top down generalized decisions — predicated on markets, market partners (like Monsanto), stock prices, stock dilution, stock buy back strategies, integration with foreign subsidiaries, tax considerations, corporate executive ambitions — which in fact compromise the sort of decisions the farmer would have made responding to local conditions.

If the market did collapse in a generalized melt down. Maybe the consequences would be immediately painful for the myriad holders of financial instruments but the process of weeding out the inefficient aspects of Wall Street financial inefficiencies may be somewhat like the sort of thing a farmer did with a noxious infestation of Government interventionists.

Corporations are far more likely to pollute than our farmer. Corporations employ armies of lawyers to lobby for generalized exemptions to certain good and healthy practices our farmer may have practiced without rules or supervision. Why does every endeavour humans engage in necessitate the promulgations of the “bigger is better” trope. Does that farmland produce betterment because an army of disconnected Ivy League graduates know better than our farmer what ought to be initiated?

It appears that the financialization of the economy may have reached the point where it can be seen as destructive, and overbearing, rather than constructive, as it is purported to be. Financialization is a process whereby financial markets, financial institutions, and financial elites gain greater and greater influence over economic policy and economic outcomes. Financialization is capitalism corrupted! Financialization transform a functioning and healthy economic system at both the macro level (financialized military industrial complex) and the micro leveli (our farm communities.)

It is a peculiar endeavour to comment on these various blogs. One cannot write a book or expound an entire thesis. On the other hand short cryptic comments while doing a good job capturing the outrage and frustration often convey despair. It appears that the effect of shining a little light into dark corners accumulates and it is causing considerable discomfort among those operating in and from the shadows. Certainly understanding many things are done in the shadows which are intentionally done there. Many of these things have been promulgated as beneficial to Everyman but indeed they have most certainly benefited the 1% while doing nothing for the rest of us.

The 1% own and control the MSM (the main stream media.) can we realistically expect the 1% to enjoy being exposed. Financializing is no different than robbing a bank. It is a process whereby the entire economy of a country can be financially raped, i.e something taken without any semblance of

moral virtue. In fact our entire western society including the economy suffers from moral hazard.

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Matt, as another commenter says below, I love your mind and I love your work. I do take a little issue with it, though.

I believe that the solar and wind energy subsidies of the IRA can be a little like pieces of the New Deal, specifically the CCC and WPA's artwork.

Solar installations, in particular (others may disagree about wind energy but I personally find them to be beautiful and awesome) are small, unobtrusive, and generate low-cost electricity with no inputs other than sunlight for decades. This is more than a little like a CCC project, which provides great use for decades after the initial work is done.

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Much prefer the wonderous appearance of crags and crevasse, grass, the ocean, lakes and valley meadows near windy areas or even sage brush and sand to the appearance of endless Solar Farms or Wind Turbines to obstruct views of gorgeous creation. One turbine alone can gruesomely kill an average of 5 birds per day (some days a lot more and others less) and this is unacceptable. Nobody speaks about the robust little rodents and life living around them...They lose weight, fail to reproduce and die young when the towers are first installed. When living near a turbine; the UNGODLY SWOOP of the blades as they pass has an impact on the auditory unit and brain resembling very mild blunt-force trauma resulting in putrid headaches, constant nausea and even escalating rates of depression and anxiety for many people when operating. There are other health issues hypothesized as consistent with these technologies; but it's not certain as little research has been enacted to determine correlation or its lack.

The reality is NOT beautiful when up close, personal and certainly not worth the mini contribution towards fulfilling energy needs for a burgeoning population. With the advent of Fusion Technology right around the corner; fail to comprehend the financial investment or the social risks involved into ruining so much of the environment with these mutilating energy sources which are not dependable and are inefficient.

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Blaze, fusion has been thirty years away from commercialization since at least the 1990s. There is no realistic path forward for it in our lifetimes (and I doubt it for our grandkids, either).

As far as preferring the wonderous appearance of crags and crevasse: of course. There are places which are inappropriate and would be desecrated through renewable energy. But not every place is gorgeous and experiences a profound loss through the introduction of solar and wind energy. I say this as someone who has the heart to love prairies, as Willa Cather said. And also, just because it happens to be in someone's view shed does not suddenly make them king or queen of the realm.

Wind turbines kill about one bird per year, not five per day on average. That's a difference of 1800 annually, or 36,000 birds per turbine over its life. That is a significant and material fact to have wrong.

I have been around plenty of wind turbines and have never felt the UNGODLY SWOOP of the blades as they pass, and so have not experienced the very mild blunt-force trauma; nor putrid headaches, nor constant nausea. I do suffer vertigo and tinnitus (from the Peace Corps, back in the day) and can understand how it could happen. It would be miserable.

I am guessing that you are an artist. (Your vision and compassion come through, clear as a bell.) I actually traced the noise problem in wind turbines to an artist in Wisconsin. He had a rock ledge behind his home/studio, so he got a literal double whammy of the initial sound wave, then the echo. I absolutely could see how it caused him problems. But it was a very special case. Unfortunately for him, it was unique. People in a setting like this with an "echo" have more problems than those who experience the sound waves "just passing through."

My comment was mostly about modest-scale solar systems. But, if you want to talk about massive-scale solar and wind projects, keep this in mind. Generators of many different kinds (investor-owned utilities with a board of directors; municipal utilities, with elected or appointed boards; generators in Texas responding strictly to market signals) have decided to retire coal plants. When these plants are retired, there are three options: 1) replace them with renewable energy, which is generally the intent behind the retirements; 2) have third-world style power outages regularly; 3) hope that the plants were mothballed and not retired, and bring them back into service. Of the three, which do you want? For myself, it is #1, renewable energy. When this fails, and we get #2 (and we will, at the pace we are going), renewables will get a black eye. Then, I think that the concern will be more about catching diseases that we read about in the Bronte sisters' novels than the way that the solar fields look, or the effects that wind turbines have on the humble creatures of the meadow.

I am not being snide. I appreciate your comment and also appreciate your looking for a better solution in fusion. All of the alternatives have costs. We are not used to paying much for them, because the present system works so well and has such modest societal costs (other than, of course, theoretically knocking the climate out of its present, easily habitable, state).

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My son lived within a quarter of a mile of a Turbine and there are thousands surrounding him and his family in the northern Lake Erie Flood Plain that is Northern Ohio. I wasn't speaking about published information. He actually had to sell the first farm after renting the space to be used for the turbine. Considering he's an AI Engineer and couldn't do anything to fix the situation following the erection of the unit; he had no option except to leave and the place is now gone since nobody could tolerate living there. The stats about Turbines are as accurate as the research on 'Climate Change' and Inflation which removed both food and fuel prices from the equation when measured. They are also from the same sources as for the current Emergency Pandemic.... Which have proven pathologically criminally insane; which is to define them simply EVIL.

You report you have Grandchildren and that means you're not quite a Spring Chicken any longer; certainly old enough to recall the prostitute politicians harping-on about Global Warming and Cooling, BOTH KILLING THE WORLD BY 2000 and then 2010...And, we're all still here and those squawking endlessly about 'Climate Change' as though it's their religion are purchasing multi-million $$ spreads on the Ocean Front while flying around in the Carbon Producing Flying Machines overwhelming the climate more in ONE SINGLE TAKEOFF than a car driven by a family of four over a whole year.

You're correct about not all places being gorgeous...However, most nature of any kind is still far preferable to the mechanical and concrete. Not that I don't appreciate sidewalks and foundations, paved roads/highways, cars, mechanical objects overall...But, within reason.

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Matt, I really love your mind, in spit of your unsettling conclusions, real or unreal. But I promise you that I can prove, beyond any doubt, that this catastrophe is orchestrated-real; real bullshit, just as you’ve said. Very powerful arguments, but I would like you to answer AnnR’s question, if you would. Then I’d also like you to write in response to my previous post, not in chat, but an article giving a “list of books” you’d take to Mars and a the intelligent individuals living today you’d trust to take with you to build an honest democracy and utility infrastructure correctly in order to prevent the current maddens being played out on earth. I’ll be writing next week about each nation’s Utility infrastructure and what’s needed to end the current nightmare of pending war and scarcity, the same as I’d build it on Mars using humanity’s current science/engineering methods…and nobody would starve of freedom, food, water or energy, after the build was completed. I know you agree about the fraud of “too many” and “not enough,” because I listen to you. Your right, our problems are tragic and not of our own doing, and the solutions to save humanity, if we were allowed to build them, are much cheaper than all nations financially collapsing and world war, which is a total fraud, and I know you agree with that, too. I just don’t know what and how you’d fix it. Tell me about your solutions, if you have any, because if I were a captain of a battalion of shuttles off to Mars, I’d want you going with us, but I’m still not sure what working-solutions you’d want to develop after we landed. Hear Me: We need to prosecute Lawyer trapping us, because they are at the center of ALL the insanity, then build the Utilities humanity needs by way of cheap fair taxes from honest trade practices of the awesome, free individual. Not everyone must of should be for profit, like roads, electricity, water…Correct?

But I’m NOT a socialist or a communist, in any way, but there are some principle you can take from many ‘isms to free the people. But I’m just sick of being trapped by complex fatalisms with no real solutions, just lots of fear, certain death and war-cleansing. Help me with this.

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