The capitalist system has the potential to adapt swiftly to lower its costs while maintaining profits. This article explains how the system can change to enhance productivity. For example, it can halve housing costs while freeing up Capital to address some of humanity's existential threats. A quick book-keeping change will…

Throughout history, humans have thrived from moving from Generalised Reciprocity to Balanced Reciprocity. However, the invention of money led to a shift towards Negative Reciprocity. Unfortunately, today's neoliberal economic policies have accelerated Institutionalised Negative Reciprocity and will lead to the extinction of humanity. To see the meaning of these forms…

In today's world, electricity and money are shared resources, yet our current exchange system treats them as commodities to be bought and sold to the highest bidder. As individuals, we own our solar panels and have money in our bank accounts. If we have excess electricity, we may permit someone…

Social learning is to ideas what natural selection is to genes. Both are ways of picking out good solutions from a sea of variety. Mark Pagel — Wired for Culture. With culturally appropriate capital allocation rules, Community Capital is the most productive way to invest. …

The article Reciprocal Capital for Efficient Asset Markets shows how sharing the profits from Bank Loans results in lower-cost loans for borrowers of Community-owned banks. The model can extend to remove all interest costs and replace returns on interest by purchasing more shares in the assets purchased with the loan. …

The EMH (Efficient Market Hypothesis) is the cornerstone of the finance system capital distribution. …

The word “usury” comes from the Latin word “usura,” which means “payment for the use of money, interest,” literally “a usage, use, enjoyment,” from “usus,” from the stem of “uti” (to use) — Online entomology dictionary. Why does the government borrow money? When governments have insufficient tax revenue to fund their programs, they borrow money by…

To address global heating, we have to change the way we produce energy, and that requires immense amounts of investment Capital. We obtain investment money from the Financial System, which harvests the surplus money as savings and profits and puts it to work to create more Capital. The Financial system…

Economic efficiency is essentially about getting the same goods and services for less money. Today there is an oversupply of money, leading to inflated asset prices, inflation, gross disparities in wealth and high levels of unused money. Economies are fragile and inefficient. Individuals do not understand and hence cannot model…