The Humane Market Economy – what if the monetary system itself is the problem?
The Humane Market Economy is a monetary and economic model for the benefit of all people: stable money, provided debt-free and without compound interest (with a uniform, stable loan rate as a repayment signal), a cooperative citizens' Monetative and a consistent focus on the real economy. Here you will find the concept, the video, transformation steps 0–4 and the system comparison.
“A monetary and economic system like the Humane Market Economy that creates space for healing, healthy relationships, development, and consciousness—where souls can unfold freely and nothing comes at the expense of Mother Earth. Only when this becomes reality will I find my peace.”
▶ The Momo solution (in German language only)
The video summarises what a just and sustainable monetary and economic system must deliver.
🎬 The Momo Solution – what should a new monetary system achieve?
My vision is a society in which economic success is more strongly
linked to social benefit –
with greater self-determination, fair opportunities and genuine recognition of achievement,
regardless of background or network.
Many of today's problems – inflation, real estate bubbles, growth pressure, rising inequality and state indebtedness – are structurally connected to the way our monetary system works. That is why I engage with monetary order, circulation-secured money, common good economics and the societal restructuring it requires.
🎬 The Humane Market Economy – Short Film in 13 Minutes
🎬 The Humane Market Economy – Documentary, approx. 2 hours
🎬 Humane Market Economy – the RICH extension (60-minute presentation)
HME/RICH builds on the best insights of existing reform schools – and goes systemically beyond them. What distinguishes the individual approaches?
Money arises from credit extension, not from saving. State budgets are not like private households. Important insights – but compound interest, the Cantillon effect and the debt-money mechanism remain structurally untouched.
→ Keynes+ in detail 🏛 Hayek+ · Austrian School
Price signals as an indispensable information system. Scepticism towards state monetary monopolies. Competition as a discovery process. Lastingly valuable insights – but the interest system itself and private money creation privileges remain untouched.
→ Hayek+ in detail 🌿 S3F · Social Threefolding
Economic life, legal life and cultural/spiritual life each need their own independent institutions. A paradigmatic restructuring of the state – complementary to HME/RICH as Step 3 of the transformation.
→ S3F in detail 🧮 Value Money+ · Credit Tax (Buschbeck)
A credit tax instead of a savings rate, differentiated by economic usefulness. Accounting-tight, capitalism stays intact. A valuable low-threshold entry point – yet private, interest-bearing money creation remains structurally untouched.
→ Balance Mechanics+ in detail 🌾 Commodity Money+ · (Samirah Kenawi)
Money creation strictly coupled to real-goods value creation; capital, currency and stock markets are wound down in an orderly way. A close relative of HME/RICH – a different backing mechanism (100% goods converage instead of circulation-securing and amount of circulating money equals the total of all incomes) and a different path on property rights (no expropriation or restriction logic in the property right itself; revaluing assets without real-economy backing can, however, in effect act as an indirect expropriation – see the HME/RICH page, "Systemic Limits").
→ Commodity Money+ in detail
Alongside my information activities on economic reform topics, I offer personal navigation support on professional orientation, self-employment and individual reorientation.