This is my user view of money. Could it, should it be the collective view? That is for the swarm of our society to decide. I want to learn, see other views, improve my view as it changes to what I think is my best view based on my beliefs. It is an obligation to me I expect of myself. To organize my thoughts and seek a larger set of consensus view to support if I can find one. Re-examine my view if I do not. I am an optimist that trusts in the value of group intelligence but a believer in what is right based on some absolute truth somewhere. Communications and the geometrically increasing speed and number of messages passing among us as the technolgy advances might not create an unmanageable proliferation of thought and complexity but a clarity of thought in reduction to simplicity as a function of the information structure we create. In that I trust. I think.
Our perception of the relation of ourselves to the world is called a user view of the world. We interact with the big object called world based on this perception. The term "we" meaning all the people in the world. How we, the human race, interacted in the past is our history. Often it taught us lessons. We learned and evolved. How we interact in the future are our collective hopes and dreams for making in hindsight a better history as a result of our future interaction.
Money permeates society. Those that create it and control it have great influence on everyone. They are called bankers. How they view money determines what money is and does. Their view of what money is has caused problems in what money does. Understanding their user view of money reveals what must be changed to a new view in order to correct the problems.
Bankers view money as a debt obligation. They create money when they make a loan. Money created that way goes out of existence when the loan is repaid. During its life, the loan is the amount unpaid. The banker views the unpaid amount as an asset and the payer views it as a liability. During the loan lifetime the goal of the banker is to extract as much money as possible in fees and interest beyond repayment of the loan amount. They also have other ways of extracting more money from money itself.
Bankers view the environment in which they operate as one determined by the laws of supply and demand. Essentially, money exists and operates in a scarcity of based system of itself. It then conveys its scarcity in existence to impart a medium of exchange value relatively equal to the things it is exchanged for.
Bankers view money as something they create out of nothing. During its life they extract as much benefit to themselves from it as possible then it dies and goes back to nothing. Their motivation is to create as much total money as possible and make it exist as long as possible before it dies in order to extract maximum benefit to themselves. They are headed increasingly faster toward and infinite amount of money loaned that will never ultimately be repaid. The end game result is a function of their greed abetted by our collective ignorance of what they are doing and failure to act.
That is a rather bleak view of the object of a bankers working life. Not all bankers have this view. Some see the benefit of what the money is used to accomplish. Some, called banksters, have great control of money and use money to create more money in the financial system with little or no real accomplishment of value to the common good. They manipulate the system to serve themselves to the detriment of everyone. That detriment will accumulate and be a disaster our social structure
They simply have to change their view of money. First we tell them the reality of the world. Money is ours, not theirs. Then we tell them that money is our right to create, not theirs. Then we tell them that after we create money it lives forever. Not only in a controlled total amount but individual, serialized amounts of digital dollars that can be exactly accounted for in time, place, possessor and history. Collectively, that money is all the money in existence as a medium of exchange. Finally we say the purpose of money is to improve our future not to give banksters a means to benefit themselves beyond all measures of reason and justice through the fraud of exponential production and making us pay for the use of what is ours in the first place.
We have a public right to create public money. Money exists not as something owed to someone but a uniquely identified entity with a numerical value that cannot be duplicated. What we do with it is independent of what it is. Money is not a loan. A loan is only what we do with money not the reason for its existence. Money is a virtual conceptual reality. A reality that we create that is as good as gold upon which it was once based. Unlike gold with its inherent scarcity, Money exists in abundance equal to our need to use it but with control of its abundant supply in order use it to allocate resources in our world as we collectively and individually choose.
Bankers have taught us a lesson often enough. It is time that we learned that disaster of greater magnitude is the only result if we do not learn and take action to change their user view to serve our user view.
We are the ones that run the system, they are the players. Money operates in a social eco-system we have created. The system is out of balance because it has been sub-optimized by the self interest user views of what money is and therefore what it does. It is our responsibility and within our power to restore store balance.
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