What if the monetary system itself is the problem?
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.
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+ · (Samira 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.