HME / RICH
a new monetary and economic system
Real‑Economy‑based · Inflation‑/Debt‑free · Circular · Humane
🎬 60 minutes that question why real performance is coming under ever greater pressure –
and what an alternative monetary and economic system could look like in which
work, genuine performance and value creation are rewarded once more.
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🎞 The Humane Market Economy as a documentary film
💡 Motivation
Instead of discussing ever more bureaucracy, debt and redistribution,
the underlying cause should be questioned:
a monetary system that burdens labour, rewards speculation
and systematically drains purchasing power.
⚙️ The Humane Market Economy reverses this mechanism:
value creation through work, innovation and entrepreneurship is to be strengthened –
not wealth accumulation through compound interest, financial speculation or monopolistic capital power.
📈 Future Outlook: Flourishing of Economy, Society, Humanism, Democracy, Nature and Culture
🏭 Performance Pays Again
Tax only on unearned income → work and performance become rewarding again, making "letting money work for you" systemically unattractive.
📉 Falling Prices
Elimination of payroll on-costs and compound interest embedded in value chains → structurally lower prices.
💶 Greater Purchasing Power & Prosperity
No taxes or levies on labour → 100% disposable income.
📦 Decentralisation
Lower costs in regional supply chains, a stable currency and external trade balance → stronger local production instead of import dependency.
🚀 Less Bureaucracy and Tax Tricks
Simply by eliminating payroll and VAT accounting as well as tax and legal advisory costs.
⚖️ Free & Fair Competition
Fair access to capital for all and abolition of market-distorting subsidies → less corporate power, more genuine performance markets.
👨👩👧👦 Social Security
A small secured basic income for all and stable money enable dignity and genuine provision – for purchases, retirement and a plannable future across all stages of life.
🌍 Fair External Trade
Exchange rates aligned with real economic output rather than speculation – for fair currency parities and an end to living at the expense of other countries.
🎓 Cultural Renaissance
Increased budget for education, research, art, innovation and social cohesion → greater appeal for talent, science and creative minds.
🗳️ Real Democracy
Money rules the world – when it belongs to all of us, we have for the first time in human history a genuine answer to that.
⚖️ Systemic Common Good
Without regulation, without restriction, without expropriation – democratic co-determination over the use of monetary resources.
🤝 Spirit of Solidarity
With every purchase, with every contribution to the Monetative, a We is funded – systemic strengthening of a collective shift in consciousness.
🌱 End of the Growth Compulsion
Compound interest forces perpetual GDP growth – a systemic theft of time at the expense of nature, plants, animals and people. Without this compulsion, the economy may come to rest and natural resources can regenerate.
🏗️ Debt-Free Money
Every FIAT euro is created as a loan with an interest obligation. RICH creates money debt-free through the Monetative – as a common-good-oriented infrastructure for all, not as a bank claim.
🏠 Stable Asset Prices
The circulation fee keeps capital in the real economy rather than asset markets → real estate and land remain affordable – the Matthew Effect is structurally broken.
💬 Guiding principle: From a speculation-driven financial economy to a stable real economy in which genuine value creation, social security, cultural development and fair international relations are systemically strengthened – with robust regional economic spaces and sustainable competitive advantage.
"Conditions must be created in which every person can voluntarily do that to which they are called, according to the measure of their abilities and capacities."
– Rudolf Steiner, GA 34
– Rudolf Steiner, GA 34
🏛 Starting Point
📅
Since the end of the gold standard in 1971, the global
financial system has undergone profound change.
📊
Rising indebtedness, asset price inflation and an increasing concentration
of economic power continue to raise fundamental questions of
stability, fairness and sustainability.
🏦
The interest / compound interest and Cantillon Effect is one of the least
discussed mechanisms behind growing inequality.
🌍 The HME / RICH Approach
HME / RICH is conceived as a more
real-economy-oriented monetary order,
in which productive investments regain importance relative to speculative capital flows.
➡ debt-free
➡ structurally non-inflationary
➡ realistically implementable
➡ debt-free
➡ structurally non-inflationary
➡ realistically implementable
🇪🇺
Europe could be the ideal pioneering space for this:
an existing currency union, democratic institutions, a high savings rate, a strong real economy –
and the opportunity to develop an independent third path between dollar dominance
and Chinese state capitalism.
🎓 Inspiration & Influences
Peter Haisenko (HME) ·
Bernhard Lietaer (BCB) ·
Prof. Margrit Kennedy (GEN) ·
Helmut Creutz ·
Werner Onken ·
Silvio Gesell ·
Michael Ende ·
P.R. Sarkar (PROUT) ·
Volker Pispers ·
Prof. Silja Graupe
Volker Pispers: Free Market Economy – Illusion or in Free Fall?
Cabaret as system critique · YouTube
The perspective of a brilliantly illuminating mind.
⚖ Political Implementation
🏛
Technically, an alternative monetary and financial system would in principle be implementable –
without needing to build all institutions from scratch.
🧠
The real challenge lies less in technology than in the
social and political understanding of today's monetary and financial structures.
🗳
Concretely, it requires political courage, broad public education and a
two-thirds majority in parliament.
"Whoever prizes his seat in the Reichstag, his professorial chair, or his editorial pen
dare not probe to the very bottom of the currency question."
– Silvio Gesell, Die Geldnot in Deutschland [Germany's Money Famine] (1907), Gesammelte Werke, Vol. 5, p. 38
– Silvio Gesell, Die Geldnot in Deutschland [Germany's Money Famine] (1907), Gesammelte Werke, Vol. 5, p. 38
📚 Pluralism in Economics
Critique of existing economic models does not mean rejecting science.
Precisely complex social questions benefit from
pluralistic thinking, interdisciplinary perspectives
and the willingness to critically question even fundamental assumptions.
🎓
Prof. Silja Graupe speaks in this context of an
intellectual monoculture within economics.