(This is a work in progress)

The Goal: An economic system that is in sync with reality, logic, and life empowering human potential on a lasting, regenerating, and embracing planet.

Not Debt. Credit!

Creditism is an evolutionary economic protocol for a just social system constituting maximally distributed access to capital and credit.
The current debt-based, growth-dependent economic paradigm is inherently finite and self-destructive. Creditism represents a change from circulating debt money into flowing credit currency, breaking free from scarcity and perpetual debt constraints.
Currency (credit) is a useful human tool that enables access to resources (capital) and facilitates exchange. However, in the capitalist system, credit is issued as debt money transcending its primary role, becoming an instrument of power that controls resource allocation and people solely for profit maximization.
Creditism challenges this power by decentralizing the control over capital and credit, thereby empowering individuals and communities to participate in economic decision-making. This fundamental transformation lays the foundation for a more engaging society, where economic opportunities are accessible to all.
By distributing Credit currency to everyone directly, Creditism helps us move past the challenges of capitalism, putting an end to inequality, homelessness, and war. This improvement in currency unit flows renders banks, debt, insurance, and taxes obsolete. It is a visionary pathway toward a future where economic fairness, social cohesion, and democratic participation thrive.

Capitalism vs Creditism: A Comparative Overview

Capitalism and Creditism are different economic systems with different aims and values. Capitalism is the legacy system rooted in the historical evolution of organized legal capture of all global resources and labor onto private ledgers for private gain. Creditism is a new system designed to enhance the collective human potential for ecological balance and overall group and individual prosperity unleashing our unique creative potentials. The following comparison highlights the key features and structural reforms proposed, presenting a transformative shift toward a regenerative and participatory economic system.
Capitalism: A system in which centralized capital and credit control are used to command social labor production for private market consumption.
Creditism: A system in which decentralized capital and credit access are used to empower social labor production for free market consumption.
Survival and advancement drive human actions. Resources (capital) are essential for both, and the more resources we acquire and transform, the further we progress. Thus, managing capital is the essence of both life and economics.
Our behavior is shaped by a blend of biological and financial motives. Charlie Munger’s famous saying, “Show me the incentive and I’ll show you the outcome,” highlights how incentives profoundly impact human actions. Economic rules determine access to capital and credit, with outcomes ranging from equitable distribution to massively unequal access. Economics conditions our natures. We can alter the economic incentives to accord with our natures. It’s just a straightforward matter of accounting real value, and then it is basic math.
Property rights form the basis of economic systems, as well as the legal framework that determines who owns what capital. All living beings need to take resources from the global “Common pool”. So what is the legal basis that enables that transfer, which also essentially defines those economics? The first act of exchange begins with the legal rule “possession is nine-tenths of the law.” This means whoever is the first to take a resource owns it. Capitalism operates on the premise that shared resources are unowned and free for the taking. It is banditry that has resulted in an unfair pre-distribution of capital.
That first act ignores the fact that shared capital, the "Commons", is a birthright of all living beings. We are the rightful owners. The Commons is the shared ledger of all of life’s capital, gifted to us by our ancestors, our nurturing Earth, the expansive Universe, or what many call God.
Capital is the embodiment of life itself. Like squabbling children, we find ourselves trapped in the finders keepers, losers weepers primitive stage of economics, or "Game A," where we fight and even kill each other over our family wealth. Now, it's time we realize this wealth actually belongs to us all and grow past this and move into a cooperative phase where we work together to manage and enhance our collective wealth instead.
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“When plunder becomes a way of life for a group of men in a society, over the course of time they create for themselves a legal system that authorizes it and a moral code that glorifies it.” -Bastiat 1848.

Modern Capitalism: A Continuation of the First Act

A. Nations get the Capital for free. Nations claim ownership over all common capital on their private balance sheets. They rent and trade that stolen capital daily, collecting money for the theft. People then must create fictional entities to compete to expand their capital ownership and consolidate their power. That original and ongoing appropriation is upheld by force and coercion, trapping us all in a race to the bottom where we exchange genuine cultural and ecological diversity, liberty, and creative self-determination for homogeneity, products, entertainment, and plutocracy, and tell ourselves it constitutes the only meaning of ‘progress’. That’s Game A. cause of all societal problems.
B) Banks get the Credit for free. All currency or money isn’t a real ‘thing’, it’s simply credit units (numbers) on private ledgers. Nations create credit as money for themselves to spend, but most credit creation is done by private banks, who also get it free, but ‘lend’ it out with interest. Credit is constantly being created, and as debts are repaid, the corresponding credit is deleted. However, more credit as debt is typically created than is deleted, which leads to an overall increase in the amount of credit in circulation. There is no limit to credit because numbers are infinite. By transforming everything (capital, labor, and credit) into NUMBERS, Capitalism, a rivalrous game of value (number) accumulation, has us all captured with credit, as a mathematical tool of power.
C. People Pay with Labor & Life. People who own nothing of value but themselves must trade their lives to corporations for credit and their futures to banks for debt with interest. With credit for labor, people get entry into the exclusive market controlled by Nations and corporations. With every exchange, credit value circulates between private ledgers, credits (plus) or debit (minus), and with profits (pluses) flowing ultimately to Nations, corporations, and banks, who do little for it.
Everyone recognizes that exponential tech advancement will soon make people worthless as machines and AI rise to replace human labor. The credit flows to those people will stop, leaving them locked out of the free market. The only solution possible within capitalism is some form of credit redistribution scheme using UBI & taxes.

The Problem: Rivalry and Exploitation

These primitive capitalist incentives that drive the relentless pursuit of profit and capital accumulation have trapped us in a ‘prisoner’s dilemma’ resulting in our concurrent ‘race to the bottom’, which is the source of economic externality and “The Tragedy of the Commons” writ large. It is our wholesale destruction of our very real Gaia in pursuit of fictional nominal credit tokens. Therefore, all private claims on our global Commons are clearly illegitimate!

The Solution: Cooperation and Fairness

Creditism eliminates economic externalities by reclaiming and representing all global capital and credit on various local, regional, and global ledgers, while returning the ownership of the planet back to herself on a Ledger of Life, the Commons. family ledger. Here, the flow of Credit incentivizes and rewards individual and group collaboration and production, rather than crude value (in the form of profit) via trade. By shifting the focus from profit by trade and accumulation to cooperation and participation, Creditism creates a more just and sustainable economic system that benefits all.

Creditism: The Beginning of Infinity

A. Common Capital. All shared natural resources and land are listed on The Commons’ ledger (The Ledger of Life), while all human-created capital such as equipment, infrastructure, utilities, and buildings, are ultimately transferred to community ledgers managed by human members at the global, regional, and local levels. Each of those assets are collectively produced by humans, while natural resources and land collectively emerge from the planet and life, so their ownership should never have been vested solely in individuals from the outset.
B. Personal Credit. PC flows from the Commons pool directly to every individuals’ personal private ledger in 3 ways: 1. As a monthly basic income, 2. For participation, and 3. As a bonus for exceptional results, fostering friendly competition. Personal Credit flows back to the Commons when it is spent in the open market for scarce goods or services; in other words, the credit deletes. PC also enables people to exchange their personal property, but only at the lower of market value or purchase price, which eliminates profit-seeking from trade. These features ensure Credit cannot be lost, stolen, or used to coerce or control others.
C. Community Credit. Corporations and governments convert their operations into member-run councils, clubs, and co-ops with free leases for their equipment and properties. Unused resources can be leased out for free to groups in the city, similar to a library, allowing citizens to form new clubs or co-ops. Community Credit (CC) flows for free directly to all community ledgers as a monthly basic income times population, making taxes unnecessary. CC additionally flows to all individuals monthly to use for supporting their favorite groups or starting groups of their own. Community groups use CC to acquire scarce goods from the open market to their private group ledgers for private use within their groups. Groups do not spend their CC for inputs in production. Those are accounted for and inform final market pricing, but they are not incurred by the co-op. Instead, input costs are passed onto the ultimate purchaser of the finished good i.e. individuals, towns, cities, regions, or the global.

Creditism sm.png
“It seems to me that this is theoretically right, for whatever the question under discussion — whether religious, philosophical, political, or economic; whether it concerns prosperity, morality, equality, right, justice, progress, responsibility, cooperation, property, labor, trade, capital, wages, taxes, population, finance, or government — at whatever point on the scientific horizon I begin my researches, I invariably reach this one conclusion: The solution to the problems of human relationships is to be found in liberty.” - Bastiat 1850.

From Money to Credit: A Paradigm Shift in Value Creation

Money represents power and empowerment since it is primarily a claim on capital. Capitalism is based on the idea that value is objective and depends on the cost of labor and resources that go into producing goods and services. In this system, the unit of value is a fixed and objective measure, such as money or gold, that can be exchanged for any other good or service in the market. The more money or gold you accumulate, the more units of value you have. The main benefit of accumulating more units of value is that you can use them to command or exploit (profit from) labor and resources, as well as to acquire more personal possessions or access to more exclusive experiences. The mechanics of money and capture in Capitalism unavoidably pool and concentrate wealth, capital, and power auto-plutocratically, producing a perpetual power pyramid.
In contrast, Creditism empowers everyone with Credit as it flows to them automatically and more flows for positive participation in society. The more Credit you receive, the more units of value you accumulate. The only real benefit of accumulating more units of value is that you can use them to acquire more personal possessions or access to more exclusive experiences, such as travel or entertainment. However, you cannot use them to command or exploit the labor and resources of other humans, as in capitalism, feudalism, or socialist state capitalism. system. The mechanics of credit and access in Creditism intentionally flow and spread wealth, capital, and power automatically, meritocratically, and democratically... pulverizing the power pyramid.
The difference between these two systems is that the former is based on a materialistic and rivalrous approach to value extraction, while the latter is based on a human-and-more-than-human-world centered and cooperative-competitive approach to value creation. The former emphasizes the quantity and uniformity of human consumption and capture, while the latter emphasizes the quality and diversity of human experience and participation. The former generates social and environmental conflict, while the latter fosters social and environmental harmony. As Buckminster Fuller wrote, will it be Utopia or Oblivion?
From the AORS’s below:
Creditism is just Socialism repackaged!
Actually, Creditism is an anarcho-libertarian-syndicalist-republican-meritocratic-confederated-representative-subsidiariticle-decentralized-economic-direct-democracy if you want to be fussy about it. It appears to be a 2.0 version, or a technological reflection, of something primeval...

In Capitalism, the credit has us. In Creditism, we have the credit.

There is a little notion that reveals itself to some of us from time to time as we all evolve into the future, playing, crying, and falling in love. It tugs at our sleeves to gain our attention and support. Sometimes the notion is understood in a way that captures us; spreading amongst us with the pace of a wild fire, then slowly burning out again as it starves for fuel. The notion is the simple fact that people have always depended on their economies for their existence. The Haudenosaunee and Inuit. The Mongols and Polynesians. Egyptians, Vikings, the Ainu, and the People of the Han Dynasty. The tribalists, statists, and anarchists. Emperors, slaves, and H. sapiens neanderthalensis have always depended on their economies for their existence.
What an economy is is simply individuals in communities, interacting with each other and the world, under rules that determine how they are able to meet their desires and needs. That’s not the only way to talk about economies of course, but it is a straightforward and valid one. When we don’t understand like that we make a lot of mistakes and others make a lot of mistakes on our behalf. The reason that notion keeps tugging our sleeve is there’s a jewel at the center that wants to be noticed. It wants us to pick it up and polish it, and display it to each other, and tell ourselves that the jewel belongs to each of us. It likes it when we shimmer. The jewel is the fact that an economy defines and determines the value of existence to us. It has to do that, so it always does. Its definition of value determines much of the shape of our lives, the state of the world, and even much of how we treat each other, think, and feel on a day to day basis. An economy is not alone in its raw power to determine those things. Every context we depend on does that too, either more or less. But because an economy is dealing with existence, with matters of life and death, its power to shape and condition is serious. When an economy places or doesn’t place a value on existence it defines and determines the value of existence to us.
An economy thinks. It says, “This is what I think of existence. I think I will treat it like so, and do these things with it, rather than those things.” Then all of us proceed to do what it says. That is no mere analogy. Rather, all bodies of thought, life, ecosystems, land masses, behaviors, eruptions, species, and ethics, are one. Affecting and affected by one another. Every time a breeze touches your face, gives you a thought and a feeling, and you decide to call someone and ask them to go do something with you that is the field of affection happening. Every event is like that in its own way.
When we show ourselves in just what way a collection of many things relating transforms them into one phenomenon in our minds, that is called understanding. We are fortunate now to notice that we’ve misunderstood. When an economy defines existence as being without value it cannot help but operate in a manner that treats existence more poorly than it deserves. We try to help, but the trouble is an economy has more to say on matters of life and death and meaning than we do, or that quite we know, and it shouts its opinion with all of our voices and whispers its thoughts in our ears. It tells us that it is no good deed to pay people to exist. Sometimes it tells us we are lazy. At others it says we can't be afforded. We are told of the impossibility and danger of putting a price on life, and it tells us right now that that thought is our thought. It isn't. Each saying misnames this certain truth: that all value comes from existence. It always has. Public credit is the symbolic representation of existential value and it always has been. So no, the truth is rather that our current economy cannot afford us, but we’ve always afforded ourselves such as things were! We’ve sweated, and bled, and struggled for each other, and built all of the things we have together. We’ve done so despite a droning insistence that we are worthless and the world is worthless. No.
When an economy cannot value people for the people, trees for the trees, clean water for its own sake and ours and everything else, and a breath of fresh air we cannot afford it! Credit money recognizes value. Debt money recognizes the capture of value, because it states that existence has no value in itself. An economy of ourselves in communities, interacting with each other and the world, under rules that value existence, determining how we are able to meet our desires and needs is an economy we can afford, and desperately need! The Goliath now we call our economy as we sit and discuss these matters together sometimes pretends it’s an ecosystem. It isn’t. It is an environment or context, delivering selection pressures, but there is a sense in which ecosystems value existence as such. The realization that an economy must value existence enables us to create and discover what we have named Creditism. It values existence because it can, we can, it must, and we ought to.
It is surprising to discover such deep unities between economics, ethics, psyches, and physical systems, but then everything is one like we noted of ourselves and the wind. That means we’ll be waking to notions of understanding for as long as we’re here. We’d like to be here in some lovely and changing form forever governed naturally by lawful principles of that evolving understanding of ours, because when life isn’t governed that way everything loses.
It has taken a great deal of time, effort, and some infuriatingly obscure language to drive the notion that money is credit people create for each other amongst themselves right out of our overwhelmed and addled minds. Money is credit. We just don’t think so. Because we don’t think so we pay relatively few people quite handsomely, in credit you’ll note, to rent us the use of our money as debt. Attend.
When an individual, let’s make him a Russian Oligarch named Nikolai Demitry Valentine Adamovich for some reason, once Mr. Adamovich acquires enough money to invest in such a way that his money makes money, and always makes money, that’s credit. It’s even credit if it’s debt. It’s credit because he’s receiving credit in that other sense of the word, which is what the word means really. See the numbers go up? Ding ding ding ding ding! “Brava, Mr. Adamovich sir! Well done, I say! Bra... ...va!” Ding ding ding. Clap clap.
Where did that credit come from? Who is giving him that credit? We are. It came from us and it came from the world. It came from us interacting with each other in the world. That it can come from us interacting with each other in the world means my existence has value, your existence has value, our existence has value, our interactions have value, and the world has value. We just don’t think so.
Look. When it takes millions of people, say, for there to be such a thing as a Russian Oligarch, then Mr. Adamovich exists as that thing for two reasons. First, we gave him our credit to become that thing by taking on debt. Second, we have tacitly agreed that food, water, shelter, people, and public resources are privately owned tradable commodities and enshrined that agreement in our institutions, so we take on a privately mediated work obligation. Conversely, when food, water, shelter, people, and both public and private resources are considered to be the valuable basis of all additional value creation, rather than being saddled with that work obligation we’re instead encouraged with ‘mutually desirable work opportunities’.
See, our lack of accounting for the value of ourselves in the world means we can’t act accountably to the world. We can’t be ‘taken into account.’ It means we’re not accountable. It means we ARE accountable. We just don’t think so, and because we don’t think so we’re breaking our backs to break the world. We’re not just playing with words here. The words have been tampered with already. The meanings have been tampered with. We’ve tampered with ourselves, and tampered with others. Let’s fix the words; put ‘em back the way they were before, since that’s the way they are. They always have been. We just don’t think so.
People, food, water, shelter, and public resources are the basis of value, they’re not commodities, and it is a cognitive error to believe otherwise. What’s that you say, “Capitalism adds value to the market! Who do you think builds the houses, grows the food, and directs the people to work? Capitalists!” Do you mean to say that in Capitalism there is Capitalism?
Let’s travel back in time a moment. 15,000 years. We come upon a lovely peaceful village scene. People going about their normal lives, doing stuff and providing for their needs and desires. They have food, water, shelter, music, dance, and culture. Listen to them for a moment... Can you see them? Do you hear them? Those aren’t Capitalists. We are Capitalists, and we don’t have to be. We have Capitalism now, and Capitalism most certainly has us. We can have Creditism, and it can support us. Then we’ll just be people again, in all our uniqueness and splendor... The People.
But, since we’ve left a cacophonous gaslight shining in everybody’s eyes, let’s look at the bank facet (oh god)... It’s the same situation really, allbeit from a different angle, as it was with our friend Mr. Adamovich. When a bank, let us dub it ‘Charter and Charter’, ‘lends money’ to you as debt, what in fact is happening is good ‘ole Charter and Charter is creating that debt out of your creditable and sound ‘business plan’ that you and your community decided would add value for yourselves... “Bravo! We do say in fact! Excellent! Just excellent! Well done you!” Legitimate clap, clap, clap! ...and then they are renting that credit back to you as a debt that you and your community will have to pay back to them, while telling you and your community that they’ve done you a favor. Oh, how the gaslight table has turned...
It’s like this. Your community has a building, say, it’s just sitting there empty gathering dust and mold. You’ve seen them... So you want to take up stewardship of one of those buildings you’ve seen, let’s say, and create a performance poetry troupe with community members, fill the building with plants of all kinds, purple orchid lighting, and a stream running through it, and exclusively serve authentic absinthe drinks and mini-bagel Hors d'oeuvres with various artisanal toppings. You tell your friends and community about it, y’all have the time, skills, and desires, and y’all are stoked! That is your community and you, interacting with each other and the world, under rules that value existence, determining how y’all are able to meet your desires and needs, creating credit amongst yourselves...
Then, you go ask Charter and Charter if you and your community may please have that thing, and they say, “Sure! But it’ll cost ya’!”
What Creditism is saying is simply that the community is the bank, is the people, is the buildings, resources, desires, needs, ideas, enthusiasms, time, skills, and work, and we don’t need to rent those things from ourselves or anyone else, because we already have them. We just don’t think so.
The fact of the matter is this: when we only account for the exchange value of everything we are Capitalists. When we account for the real value of everything we are Creditists. Then we’re just people again... The People.
The aims of Creditism can be well summed by responding to Buckminster Fuller when he said:
“You do not belong to you. You belong to the universe. The significance of you will remain forever obscure to you, but you may assume you are fulfilling your significance if you apply yourself to converting all you experience to highest advantage to others. Make the world work, for 100% of humanity, in the shortest possible time, through spontaneous cooperation, without ecological offense or the disadvantage of anyone.”
It is obvious that an economic system either helps us to, or hinders us from, engaging that notion. If we understand the fact that when we account for ourselves, for our needs and our value, and account for ecologies on which we depend, by recognizing and respecting the harmonies of distinct and interdependent spheres of value, we create an economics that naturally approaches Mr. Fuller’s Ideal. That’s Creditism. It’s what it is born for.
The field of Creditism enables me as an individual to find out that I belong to the universe, and to explore that ‘significant obscurity’ Mr. Fuller suggests of me. It enables me and all of us because it states, economically and unequivocally, that the world belongs to herself and to every creature thriving or suffering upon her. Here, Creditism is direct. There is a world. The world preexists. The value of the world preexists since we and every other creature exist. If just one of us owned the world, if it was FOR just one of us, we wouldn’t all be here to argue over ownership. We think that means that ‘ownership’ and ‘property’, as currently codified, are ontologically false. That such falsity breeds distortions and disintegrations between spheres of life that ought to be respected. And that self-determined ‘stewardship’, ‘collective ownership’ and ‘private ownership’, as Creditism begins to codify and refine, are the obvious, sound, and ontologically robust replacements.
Creditism is being born. Like ourselves, she shouts at the sky already, “I exist!” She’s ours to care for and encourage. We will revisit Mr. Fullers’ Ideal many times while we nurture her ... ”to make the world work, for 100% of humanity, in the shortest possible time, through spontaneous cooperation, without ecological offense or the disadvantage of anyone.” And reflecting on that, someday not too long from now, we may come to nod our heads together and realize that an economics, which accords with ourselves and the physical universe is just as whole and as natural as everything is.

Creditism: Structure and Strategy

The Reason: Governance has always emerged from Economy. An economy can either be physically and ontologically lawful or not. When it isn’t the axioms of Game Theory and Ecosystemics force lawful accord by means of natural selection for war (tribalism), famine (niche-species disparity), disease (depopulation pressure) etc, because all existence is related. When we don’t act like it the Universe acts like it for us. We have mistaken a ‘global economy’ as a new phenomenon, but it isn’t. The Earth-qua-ecosystem in the physical Universe is already the global economy. The ‘two’ are inseparable. The current global economy as we practice it today is a precocious and arrogant punk that can’t admit when it’s mistaken. It thinks it’s better than the Universe because it gave us steam engines and smartphones. It did, and we like them, and the Universe may be better yet with them. But we want updatable repairable durable smartphones that don’t go out of date so quickly while requiring 8 year old children to go into pits in the Earth to carry up buckets of rare earth minerals to build them. ‘Capitalism’ (as if it’s one ‘thing’...), mediating ‘Nation States’, obviously doesn’t know how to do that. Creditism does for no other reason than that humans do. Allow people to choose for ourselves through agreement what we wish to do that we find valuable, and kids in pits isn’t gonna be one of those things. If we don’t create a bottom-up global economy together for existentially valuable reasons ‘someone else’ (still us) will build a top-down global economy for other reasons. An economy of valuing-humans-in-the-world is all... “Creditism! No kids in pits!”

The Basis: Program a distributed, global, unhackable, backupable, private-public, decentralized Holochain network database (The Structure), write it with algorithms for the allocation of Credit (currency) that value existence and spontaneous cooperative self-determination (Ontological Governance), encourage people, communities, organizations, and cities to create their accounts (The Changing), crowdsource populating the ledger through gamification with a record of all global production, capital, and resources (The Play For The Commons), use the Credit we’ve always created amongst ourselves to interact with one another and the world under rules that value existence and mutually assured evolution (The Economy).

The Conditions: Our current economics is ugly. Up until now our tools have been ugly too. They’ve been woefully inadequate to the task of accounting and valuing human relations-in-the-world in a sound and beautiful manner, and when things are ugly we’re less happy because we like it when things are pretty. What we like even better is when we feel pretty. What we like most though is when we feel the world is a beautiful expression of the meaning in our lives. Then we feel sexy! Holochain technology is an elegant tool for a distributed digital network and records (ledgers) of our shared planetary resources, and Creditism is the necessary and sufficient protocol with which to deploy that tool to evolutionary advantage. That marriage allows us to acquire the use of capital from our community ledgers and resources from The Ledger of Life, the Commons, in order to contribute to our communities in whatever ways we see fit, and relate with one another where we wish, through the use of credit for limited experiences or products. In an economy for each of us, valuing each other and our unique characters, we begin to reclaim meaning for ourselves. In Creditism we begin to unite the Good, the Beautiful, and the True, and that’s obviously sexy!

The Axioms: Any and all systems have a logic internal to them, be they systems of philosophy, the dynamics of the dew point, or speciation in ecosystems. If that were not true we would never be able to figure anything out. Even a roiling chaos has its logic. After all, It exists (if, in fact, it does). The logic of every system is based on axioms that hang together in their purpose to express or reflect truths of nature; the nature of ourselves, the nature of ethics, the nature of the electromagnetic field as it exists... When the axioms of a system play well together the scope of their truths runs far, and our understanding rides merrily along with them. But crashes happen from time to time. We’re riding along, perhaps rather pleased with ourselves, or just enjoying the wind when BOOM! We’ve crashed into a wall and our axioms are smashed. Catastrophe! Why has that happened? It has happened because there is something wrong with our axioms obviously, but the nature of that ‘wrong’ can be of two kinds. The first kind is that there is an internal logical error between axioms so you get wear in the bearings which generates heat due to friction. When we drive too far without noticing the error a wheel locks up... We flip. Wall. Crash! The second kind happens when our axioms should’ve told us about an up and coming wall, because they’ve supposedly got a rad GPS for such things, but the kind of wall that’s coming up rapidly is invisible for some reason... Head on collision! Smash! That second kind of crash happens when the axioms we’re navigating with do not reflect or align with the axioms of that very real wall. Our current economy is crashing into the four axioms of a wall, and it has been for some time. That wall is Life, and it is telling us what it’s axioms are:
There’s a planet in a Universe with life on it: Planet=Universe=All Life
The real value of ourselves is the real value of all life: The People=All Life
Creativity, collaboration, and recognition of ourselves determines how we treat Life: Living Life=Treating Life
The planet is owned already by all life. We must own it together in order to live: Collective=Capital=Life
When the economic axioms (The Algorithms) we practice together reflect The Axioms of Life we evolve together with Life. We thrive, and our communities and groups speciate and diversify as our unique reflection of Ecosystemics. But when our practices fail to reflect that parity, we create externalities within ourselves, and the rest of our systems, we homogenize, and eventually parish as we take life and diversity with us down to our graves. Let's not do that. Simple. Good. Beautiful. True. “Creditism! Just the facts!”

The Algorithms: Credit has always been created and allocated by rules, of course. Sometimes those rules have evolved amongst ourselves, at others they’ve been imposed by various kinds of authoritative decree, and there’ve been many admixtures besides. Some rules have engendered division and conflict in the world. Others are excellent at encouraging cooperative creation. Some are good for the growth of tech, or respecting nature. Others for exploring the human spirit. Credit is quite literally a symbol of the cooperative human spirit, and while it has been recognized and deployed in that spirit before under many different sets of rules, no set of rules has yet achieved a workable scalable synthesis without externality. Creditism recognizes the nature of credit and achieves a lovely updatable, infinitely diversifiable, evolutionary synthesis, without externality, bringing together many of the wonderful games our ancestors have practiced together. It is able to do so simply because The Algorithms reflect The Axioms of Life :
The shared accounting of collective capital and resources on our distributed network database is the acknowledgement that we, life, our ancestors and children are in this together and always have been. Planet=Universe=All Life
The Allocation of free personal credit (PC) to each of us for living and free and open access to available housing is respect for each life. The People=All Life
Personal credit for self-determined creative engagement through access to that ledger means that each of us can be an entrepreneur, and means our society believes in us as unique individuals capable of enriching us all, and believes in the value of freely joining together in diverse and dynamic groups. Living Life=Treating Life
The ongoing flow and circulation of community credit (CC) to individuals and communities for the facilitation, and completion of communally desirable enterprises and projects is an expression that each of us has an individual voice and a voice as a part of community, and each of those aspects of our voice counts on matters that affect us all; we have a right to democratic agreements about the use of shared resources for the projects and enterprises we decide together are valuable. Collective=Capital=Life
Let’s play. The implications are wild, and quite beautiful. Do you see it?

Creditism: A New Economic and Governance Model

Creditism mathematically democratizes both political and economic decisions and ensures fairness. Economic management is based on subsidiarity using open collaborative environments ecosystems. The principle behind this approach to economy and governance supports a core belief in the advantage of cooperation over conflict. This cooperation is made more possible by enabling the smooth flow of people, ideas, credit, and goods across diverse communities. This means moving away from isolated and competing entities towards participation in open ecosystems environments that integrate the impacts and contributions of all participants. It acknowledges that individuals and collective entities can freely join and contribute to these ecosystems environments without needing permission. The outcome is a local-global network where resources are shared and contributions are valued.

Citizenship in Creditism: Local, Regional, and Global Communities

Every individual essentially belongs to three communities: Local, Regional, and Global. As sovereign global citizens, we have the privilege to actively participate and vote in our various communities- be it clubs, co-ops, or councils within the local, regional, or the global community. Our Local community is essentially where we live, while the Region encompasses the locality in which we reside. All these regions collectively constitute the Global community. Each Local community is autonomous and self-governing. Autonomy empowers citizens to chart their own course and govern their society, fostering diversity through experimentation. The existing city and country borders can initially demarcate Local and Regional communities respectively, although the flexibility to change these classifications remains with the populace. An equitable and fair balance is maintained through simple math based on population numbers.

Personal Credit System

The first step in implementing Creditism is to create a digital, global Credit currency account for every person on the planet starting with a fair initial allocation based on age. Allow people to convert their net worth into more Personal Credit: all their existing currencies and assets onto their ledgers while eliminating all debts. Then, an equal amount (UBI) flows to all accounts monthly. No strings attached, no gatekeepers to appease. Completely decentralized. Just a natural ebb and flow of financial self-determination, empowering every global citizen as their own sovereign. More Credit flows to incentivize participation in councils, clubs, and co-ops. More Credit also flows as Bonus to individuals and groups for extraordinary results.
Credit currency is deleted when used to acquire scarce goods and activities from the open market. It circulates only during an exchange of private goods for the lesser of its actual value or purchase price, removing any profit motive. These traits guarantee that it cannot be lost, stolen, or exploited to manipulate or control others.
Eliminating Financialization:
Under a Credit currency flow system, all existing debts, rent, taxes, banks, stocks, and insurance for profit would be eliminated. Housing becomes a guaranteed right, with individuals free to choose and move to similar quality houses anywhere on the planet. Essential services like electricity, water, and internet would be mostly free.

Community Credit System

Each local community’s ledger consists of existing assets and a Community Credit (CC) account. This account gets a monthly infusion of 50 CCs per citizen, like a UBI for communities, which renders traditional taxes redundant. The citizens determine how to allocate their CC to the various local needs and groups. Regional communities receive a lower amount of 10 CCs per citizen monthly due to their larger population size. Usage of these funds, once again, is decided by the regional citizens. The Global community receives an even smaller sum - say 3 CCs per citizen monthly, to ensure fairness and resource allocation for global benefit. Community Credit can only be spent in the market by communities or groups, not by people. This fair global Credit distribution method enables democratic and community-owned resource allocation. 1 PC is equivalent to 1 CC in the market.

Personal Community Credit Allocation

Every person also gets an account with Community Credit, initially funded with 1,000 CCs times their age and an accruing monthly income of 100 CCs. This personal CC is used to contribute to projects and initiatives of individual preference on a global crowdfunding model. People can give their CC units to any group or person they wish. It can even be used for personal betting or gambling since it eventually flows to a community ledger where it is spent.

Transitioning to Creditism:

The transition to Creditism would involve a peaceful evolution, with people opting into a free digital social-economic network when they are ready, instead of relying on the difficult and slow process of political transformation. Credit issuance costs nothing because it is not transferable outside the network. It is not a security. Incentives for early adopters will drive membership and produce the “”. It can facilitate member exchange within the network and pegged 1:1 to the US$. A global declaration of independence and constitution would guide the transition, ensuring voluntary work, free access to the market, and the absorption of state power by society.

The Result: Maximally Distributed Access

Creditism ensures a continuous equitable flow of Credit to all people and all communities. Access to limited resources becomes fair and labor becomes an opportunity to earn Credit rather than an expense; no one pays for labor, it is earned. Debt, rent, taxes, and insurance become a thing of the past. Individuals get to choose for themselves when, where, and how much to participate and consume. And members run their own cities and productive activities. Creditism is a real-life choose-your-own-adventure and Sim City.
“Creditism is emergent fractal enaction of self-directed and co-created Liberty, reflecting the nature of selection in ecosystemics, for ourselves, our groups, and planet at local, regional, global, and Gaiatic scale.” - Life 4.2 Ga - ?

Key Features of Capitalism:
Private ownership of global resources.
Private market-driven allocation of resources.
Profit motive as the primary economic driver.
Competition for market share and profits.
Accumulation of wealth by a small elite class.
Consequences of Capitalism:
Inequality and poverty.
Environmental degradation.
Economic cycles of boom and bust.
Social unrest and conflict.
Key Features of Creditism:
Global resources managed holonically
Decentralized control over money and resources.
Fair distribution and access to resources.
Cooperation and collaboration.
Focus on human well-being and sustainability.
Benefits of Creditism:
Elimination of poverty and inequality.
Sustainable use of resources.
Stable and prosperous economy.
Empowered and engaged citizenry.
There are no rows in this table

This is a good spot to insert graphs showing the flow of PC/CC and resources between the clubs/co-ops in city and the regional, global.

The Algorithims and The Output

Hello there! Good to see your smiling face. Let’s chat about The Algorithms again. Don’t furrow your brow!
After all of our talk you may still wonder what the point of all this is, or feel entirely cynical that any such thing could happen. Contrarily, you may still have the impression that Creditism is some kind of “ism.” A creed imposed by the force of a Sky Net like Holochain of Algorithms and “Creditism” is the name upon which it has self-emerged. And... It... Awakens!... But it isn’t like that at all. Creditism is an infinite game, kinda like James Carse meant (fist bump dude!)... Screeeech! Hold up I can’t ‘Carse’ this thing after all (sorry bro), I gotta ‘Hofstadter’ it probably (pew, pew!). Games aren’t games unless they have rules. Even infinite games have rules. A game IS its rules. What your possible moves are, and all the potential strategies you might employ, all emerge from, or are baked into those rules. Part of what Carse meant by an “infinite game” is that it’s rules can be playfully changed, we agree, but he might’a missed the fact that the way those ‘rules’ change is by evolving due to various ‘algorithms’, which are also rules, and that this ‘rules-evolving-rules-evolving rules’ thing is how all the openness of real infinity all hangs together. So you can’t just change things willy-nilly. You gotta be specific. You gotta understand.
Every kind of environment has selection pressures which are like sorting functions which are algorithms. An algorithm is defined like this: rules for creating an output given some input. Input children (which is probably the creepiest thing I’ve ever written), into the rules of a broken home, output varying levels of neurotic adult. That’s selection pressure. Input cold blooded dinosaurs, into the rules of the fall-out of a giant comet slamming in to the Gulf of Mexico 66 mil. ago, output no dinosaurs, or ‘birds,’ if you wanna be a nerd about it. Selection. Input all human language, into the rules of various LLMs, output various Sky Net like egregores (probably) at war with each other (already) telling us what to think (definitely), creating The Culture Wars (absolutely). Selection pressure. “But some children blah blah blah... actualize and become blah blah... when they engage with blah blah.” Yes, I know. That happens ‘cause of the other algorithms of the other environments putting other selection pressures on a kid, or The Artist Formerly Known As A Kid (TAFKAAK). There is always ‘selection.’ An algorithm is simply the rules of an environment selecting for outcomes. Humanity’s environment is first and foremost this: interacting with nature and each other on a planet.
We are all children of the Earth, but we are children of Global Capitalism as well. Our parents have been fighting for as long as we can remember. We grew up in a broken home. Who’s side should we take? Part of us feels there’s something wrong about having to choose sides, and we’re right; we’re just kids. They’re always harping on us. Capitalism yelled at me just the other day, “You better clean your room if you want to keep your video games!” I wish he’d get off my case about it. Then Mom’s all, “Your father never cleans up after himself, come look, beer cans all over the bathroom!” I wish she’d stop putting it on me. What am I supposed to do about it? F*#%k! I’m caught smack dab in the middle, so I put my headphones on and just tune out...
The thing of it is though there are points all around, so let’s score the game as played, and see what we get. Capitalism gave us video games: point to Capitalism... Having a clean room has value: Capitalism 2... Capitalism can take our video games away? Nope! -1+2=1. Does Capitalism clean its room? Most definitely... negatory: 1-1=0... That’s the breaks Capitalism. Now for me... My room is messy, actually: -1. My life belongs to me not to Capitalism and I’ll live it as I see fit: -1+1=0. Capitalism is on my case about my life: 0+1=1. He shoots... He Scores! Now for Mom... There are beer cans all over the bathroom: +1. Capitalism put them there: 1+1=2. It isn’t my personal fault that there are beer cans every where: 2-1=1. That point goes to me. Then mom says, “But honey, I can’t clean up these beer cans, only you and your people can clean them up together, we’re leaving your father, you’re coming with me, then it’ll be easier for us:” and 1+1=2 as she lovingly takes a point back. Strangely i feel rather good about it... She and I leave together and we each get an extra point for changing the rules in a way that values us both. Earth: 3. Me: 2. Capitalism: 0.
One way or another we will be leaving the algorithms of Capitalism behind. So we’re gonna need new ones ‘cause economics always has ‘em. The cool thing is Mom’s been cooking up a wompingly ‘ongerful stew of evolving algorithms for like 4.5 billion years, and her stew has fed all life already. It looks like she’s got four ingredients:
1. There is a planet in a universe with life on it.
2. The real value of ourselves is the real value of all life.
3. Our creativity, collaboration, and understanding of ourselves in the world determines how we treat Life.
4. The planet is owned already by all Life because we’re all here, so we must own it together to live.
Those ingredients cannot be removed. They’re already boiled into the primordial stew, and they always have been. That being the case, some economic reflection of those foundational Axioms of life are necessary if we’re to thrive in antifragile diversity without bringing the thing crashing down ‘round our ears. The Algorithms of Creditism are that. They technologically riff those primeval truths.
Creditism is an environment, an economy, a game. It selects for life, diversity, self-determination, merit, admirable behavior, spontaneity, playfulness, innovation, and genuine democracy as its output. And that sounds like a good game to us.

Ideology or Environment

The culture wars today makes us grapple with the notions of competing ideologies. It is demanded of us almost weekly that we take a position for or against some complex topic we only just encountered. The tone of demand, for me, often simply stops my brain from working properly. There are reasons for that.
From a neurophysiological perspective it would be correct to say something about my amygdala and sympathetic nervous system being activated since the demand is perceived correctly as a threat of violence due to a long evolutionary history. From a psychological perspective we could talk about my early developmental environment tending to select for reaction patterns, rather than easygoing and confident emotional self-regulation, healthy boundaries, or simply not taking things personally. Sociologically speaking it might be argued that my brain stopping is a signal to conform to a group’s beliefs, norms, and customs. Or we could talk about 'cognitive dissonance' if we wanted to put on a cognitive neuroscience top-hat etc.
Each of those perspectives are useful for various purposes, and each of their particular truths, facts, and explanations are related to the truths, facts, and explanations of the other perspectives. There's a natural consilience between them pointing us toward a principle we might call 'adaptation by contextual selection' with a tip of the hat to Darwin, and wink to E.O Wilson. True perspectives cohere with one another. Ideologies however do not.
I think of ideology as a collection of beliefs, ideas, explanations of phenomena in the world, justifications, and reward and punishment mechanisms of and for behavior. It results from subjects attempting to make sense of the world as given, and also importantly as represented to them. When there are conflicts between our selves, our perceptions of the world as given, and how the world is presented, and represented to us, we are apt to create a series of meanings to explain and encompass our feelings of conflict. If we remain open to the ongoing transformation of those meanings and feelings, as we encounter and navigate the world, they form the basis of authentically relating with the world, and they give rise to various useful, relative, true, and coherent perspectives for understanding whatever we're curious about. Thereby, we creatively participate in the continued emergence of coherent diversities of thought, word, and deed bringing our singular creations into the world, and enriching us all in the process.
But when those same meanings and feelings are held to be fixed, whether through unconsciousness, adamancy, assumption, suppression, or ire and the like they form the groundwork on which a fortress of ideology is subsequently built as a collection of conscious explanations, beliefs, behaviors, and strategies that serve as attack dogs and door guards for those meanings and feelings preventing their continued transformation. And we become stunted in arrested psychological development.
In that sense we could say that ones self-image or ego is the little ideology of ones self, and conversely that shared ideologies are the collective ego or self-image of a group. The environments within which ideologies emerge as 'species' are environments of social, economic, institutional, psychological, cultural, familial, and structural fixation. Whenever the conditions of any of those environments fail to address a person or a peoples concerns, fail to provide for their genuine needs and desires, or fail to allow people to do so for themselves (in a self-directed and dignified manner) ideologies will arise. They are created under conditions of control that are experienced as arbitrary. I think that's because we're organisms and, having evolved in ecosystems which don't have that property, we detect it as artificial, and know it's bullshit.
In any ecosystem, when an organism or group of organisms shows up with some new strategy or trait, the ecosystem as a whole accommodates that, even though other organisms may not. That's the new organisms gamble: will this strategy work? The organism has liberty to play, discover, and innovate the way that it makes its living, and its adaptation is also the entire ecosystem's adaptation to it, albeit a small, and sometimes a short-lived one. That is in fact the main characteristic of an ecosystem: it allows and selects for phenomena in a distributed fashion. There is no imperious control.
'Environment' however, as a related but broader concept, allows and selects for phenomena by whatever mechanics it happens to have. Think for example of the family you grew up in as an 'environment'. How did it allow, prevent, and select for your behavior growing up? Might've been arbitrary and chaotic so you couldn't make sense of it, or perhaps been sensible to your understanding in age appropriate ways giving you a sense of easygoing self-possession, or could have been over-structured so you couldn't effectively explore and make sense of yourself, and various combinations and additions.
A family obviously selects for meanings, beliefs, and ways of relating, feeling, and behaving. But it doesn't choose what it selects for, because it simply didn't invent the human organism. Rather, the child emerges from the family, from sex, from evolution, from the society, monetary system, economics, the system of schooling, ecosystems, and the nature of planet. There is no child without those contexts, and they all condition the child's development.
When there are unjust, irregular, heavy handed, dramatic, chaotic, contradictory, or traumatic behaviors, rule sets, enforcements, and reinforcements in opposition to her unique enthusiasms and genuine needs the various meanings of the world to a child are disjointed and unintelligible. So, under those conditions and the impetus of need for the world to make a unified sense to her, she generates additional meanings, feelings, beliefs, and behaviors that may initially protect her, but are ultimately inimical to her healthy development, personality and character formation, individuation, and later self-actualization and transcedence. Fixated self-images, egos, and ideologies grow from that mire parasitizing and stifling her psyche.
Somewhat like environments and ecosystems, ‘ideologies’ allow and select for phenomena also, but they do so for only the beliefs, ideas, behaviors, feelings, rules, strategies, and justifications that propagate and maintain them, and their immediately underlying environments of fixated meanings, feelings, and beliefs. One odd and predictable property of ideology is that it tends to create and become what it claims to be against. We see that when people realize that they've "become their mothers", when the ousting of monarchs becomes "The Reign of Terror", and when, in the ideological practice of identity politics, the rage against racism and sexism defines some people as racist and sexist based on the color of their skin and their sex, lifts prejudice toward that skin and sex to the status of a virtue, and bullies it as an out-group increasing the likelihood of anger, resentment, hatred, racism, and sexism in some members of that out-group. In the throes of enantiodromia (shout out to my friend Tony and Carl Jung!), which is the tendency of a thing to turn into its opposite, ideology becomes and creates the things that it hates. We cannot ‘other’ each other to harmony, because that isn't where harmony lives.
So while The Artist Formerly Known As A Kid (Tafkaak) can heal and actualize her psyche still, and indeed her dis-ease may give her great impetus, she will need to unmake each fixity and meet each hurt, and reclaim thereby the flexibility and wonder of her youth. An ideology cannot do that for her, nor can it for a People. For that we must gain perspective.
The ideologies which grow within the collective psyche of humanity are rooted in the tangled mass of contradictions within and between the many contexts we depend on, inhabit, and develop within. There is today no unifying significance between them only a totalizing and standardizing supposition, which sounds so fucking banal we fail to actually hear it: private profits must increase. It just falls totally flat with a muffled, "bong." Then we hear the party balloons slowly deflating, "Vrffwueeeeenfft..." It's depressing, but that's one of the main points. That's virulence.
A virus just goes, "I know! Let's just replicate endlessly in this here lung tissue!" And the other bits of virus go, "Brilliant, dude!" So for us, with our particular viral premise, the fundamental purpose of everything including you, the Mississippi, that 4 year old girl and 9 year old boy, and that thousand year old Redwood is to increase private profits. And our task as 'entirely rational autonomous actors' is to find any way at all to contribute to that. When you do it really really well, well then you're important, and you get to exist more nicely, but if you stop or never succeed in doing it, then you get to be various degrees and types of ruined. The over-bearing state of affairs of the current economy is the overarching existential environment in which our many important values are set at odds with one another explaining many of the odd phenomena we notice: paying strangers to watch children and old people not primarily for care or credit but for profit, fast food and TV dinners vs cooking with each other, bail outs for banks but not for the many middle and lower class parents losing their homes, and the Great Oceanic Garbage Patches as well.
A few days ago, my attention was drawn to this maxim of systems thinking (Thanks, Remzi!):
“The purpose of a system is what it does. (POSIWID)”.
That maxim is deployed by systems theorists as an antidote to analyzing a system through the ideological lens of what the system is supposed to do or claims to be doing. It thus, allows for straightforward descriptions of the causes, effects, conditions, and errors inherent to our systems gaining us perspective. Our current economic environment does tech and children, houses and Uzi's, narcissism, food, fidelity, schizophrenia, parents, and school shooters for the increase of private profit. Situated in context the premise doesn’t sound so trite.
Confronted with the damning contradictions within and between ourselves, our developmental contexts, our stations and standings, and our sorry state of affairs we are confronted with this choice: to make and take up interrelated perspectives that illumine our predicaments, or to grasp for disparate ideologies that pillage us further. Put simply, an ideology is a group of people acting as if their meanings, beliefs, and premises are absolute truths, and it's chief feature is that it does not, and cannot, cohere with other ideologies, perspectives, or deeper underlying environments. They cannot achieve consilience, and thus achieve no reconciliation.
Ideology is always at war, because it’s simply untenable that a verbal statement, or any symbolic statement, can be an absolute. Symbols are relative both to one another and to whatever it is they symbolize. Moreover, certainty, belief, and all knowledge are relative rather than absolute. Relativity, broadly speaking, is a feature of reality at all levels, so as soon as one feature of a system changes the entire system changes as well. A psyche or group caught in the untenable position of absolutist fixation must expend energy in order to avoid discovering its errors, and that expense is already a conflict.
The postmodern mistake, which identity politics takes up, is in assuming that Universal Relativity is that of a closed system. That the truths, facts, meanings, and practices of a group depend solely on that group and only have a truth value within that group, so truth and fact become either merely subjective, or only contingently intersubjective. It is an ideological stance because it holds those three symbolic statements as absolutes. Since its position is untenable, postmodernism creates conflict in order to avoid reckoning its error. Yet all meaning, truth, fact, and practice are nested within the contexts on which they depend and arise, and their contexts in turn are nested in other contexts. From psyche through to personality, character, ego, self-image, ideology, family, schooling, perspective, theory, discipline, culture, society, government, economy, monetary system, ecosystem, planet, solar system, galaxy, and Universe. That is interconnection. Closedness and openness, affecting and affected, and a part of the true meaning of Relativity in a broad and colloquial sense.
Though some of the above may make it sound as if there is some sharp distinction between 'ideology' and 'perspective', recall that the 'nature' of each is mostly a matter of how we relate. When we fixate ideas, feelings, beliefs, and means we hold and cling to them as absolutes, and get drunk on domination. But, like a bottle of fine wine, if we let them breathe, we pour and serve our Truth, our Goodness, and Beauty for one another to imbibe.
Our Truth is like this... Because our concurring economy and monetary system runs sole on the premise that private profits must increase it extincts and distorts. Because we depend on that economy and monetary system running sole on that premise we believe it. Because we believe it we act like it. Because we act like it we're alienated from ourselves, each other, our value, and the whole of the more-than-human-world of which we’re a part. Because we’re so alienated the development of our psyches is stunted, and we’re conditioned to conflict, distract, addict, and form mental illness and ideology. That being so alienated is the practice of everything else we intrinsically value as secondary, while the sale of many of those existential values is primary. We are, by those ways, continually confronted with the matter of what we care about, and through what means and contexts we literally and definitively either enact that care, or fail to do so.
So our Goodness is thus... Having evaluated our state of affairs, we must buy our humanity as valuable again and buy, as David Abram and others have made us aware, the "more-than-human-world" on this "Animate Earth". The mechanics and ideologies of Capitalism can't do that for us. For that we’ve need to enact perspective.
Our Beauty, therefore, is in embodying the perspective we've gained, and in comporting ourselves-in-the-world as The People again. The mechanics, dynamics, and practices of Creditism are ways and means of doing just that. If we don't do something very much like it we'll continue in selling it all.
Creditism, therefore, is not an ideology. It’s a restorative developmental environment, and a play for all life. The new game of life won’t tell you how to live or what you must do, but rather ensure that you can live, learn, play, and work. The how and the what is whatever you want it to be.
As it should be: “You are under no obligation to remain the same person you were a year ago, a month ago, or even a day ago,” said Richard Feynman, “You are here to create yourself, continuously.” As are we, The People.
The concept of Creditism offers us new (and ancient) perspective. It recognizes that our interconnectedness with nature and each other requires a shift in our economic mindset. Instead of focusing solely on trade and accumulation, the infinite game emphasizes cooperation, collaboration, and the common good.
To summarize, Creditism is an economic evolution that shifts our focus from finite growth to infinite possibilities. It recognizes the role of imagination, shared beliefs, open collaboration, the common good, steady-state temporality, and relationality in shaping our economic systems environments, and creating and advancing us in mutually coherent, interdependent, and beneficial societies and cultures. It is a paradigm shift that challenges the existing notions of Capitalism and paves the way for a more balanced, antifragile, diverse, distributed, and inclusive future.
To take a page from the book of David Khari Webber Chappelle, “You can't do comparative suffering. I suffer. You suffer.” It's time for something else. It's time we recognize the real value of each other within and upon this Animate Earth.
(Mic drop...) “Thunk!”

Decentralize the control over capital. This will be done by moving all global common property, including natural resources, land, equipment, and buildings, onto member-run global, regional, and local ledgers.
Decentralize the control over credit.
Create a system of Personal Credit that flows to all people for free. This will be done by providing a monthly basic income, rewarding participation, and giving bonuses for exceptional outcomes.
Create a system of Community Credit that flows to all cities and individuals for free. This will be done by providing a monthly basic income of CC to all individuals and to their cities times population.
Eliminate profit-seeking via trade. This will be done by having credit flow back to the Commons when it is used in the open market for scarce goods or services.
Promote cooperation and sustainability. This will be done by creating incentives for individuals and groups to work together and by shifting the focus from profit to sustainability.
Out-compete Capitalism. This will be done by gamifying adoption and use, conferring superior and obvious real world benefits to individuals and groups interacting through the network.

This might be good spot to insert the Comparison Table, which is akin to a FAQ


(Arguments, Objections, and Riffing the Snarl)

You’re trying to put numbers on qualitative values. Quantification of qualities distorts those qualities. You can't pay people to exist!
We actually already have those quality distortions you're referring to from quantification in our current economic system. When your wage as a worker, or your profit as an owner, sets and determines the quality of your material life, rather than that quality being set and determined by your unique creative potentials, intrinsic motivations, and enthusiastic participation, you get distortions in psychological qualities leading to discontent and even mental illness, and you get distortions in social values which cause differences that would, under other conditions, be valuable to turn into conflicts of a disintegrative nature leading ultimately to hate and violence. So it's the other way ‘round really. By giving credit to people simply for existing you haven't quantified their existence or their uniqueness. You have in fact requalified it as intrinsically valuable, and entirely impossible to quantify. You say, “We no longer will hold your life and livelihood over your head under threat of cold and starvation. We never had the right to do so in the first place. You get to exist just for being you. I wonder how you’ll surprise me!” Thus we don't get those social and psychological distortions we're worried about.

People are lazy. They procrastinate. If you pay people to exist, because you give them a universal basic income (UBI), nobody will do any work!
Sure, but it depends on the context. We are also curious and creatively active. In a Nanny welfare state context, surrounded by a larger partially rigged merit based for some context, with an over arching and largely governing ‘too big to fail’ context, we get meanings and incentives that are contradictory and in conflict.
For example, because of the way the welfare system functions within the housing market many people would become poorer if they wanted to work and get off welfare since they’d lose their $300 housing and have to rent $1500 housing. That’s an immediate 500% increase in expenses. It’s an incentive NOT to work. In Creditism people are incentivized to work through receiving extra personal credit for that work, as well as through ‘bonus’. A ‘bonus’ is a reward for useful, necessary, or beautiful things somebody does that their community wants them to do that they've excelled at over others with whom they compete in their field, whereas a ‘wage’, if you’re living paycheck to paycheck like almost everybody in the world is, is not a reward. It’s a necessity. It’s your survival. Somebody is making a profit from your need to survive. Some version of, “Capitalists provide the things you need to survive. They add value.” usually comes up at this point. So let me put that back to you... Are you saying that there wasn’t food, water, and shelter before someone thought up the idea of a Capitalist?
There, Creditism is simply saying if someone CAN own food, water, and shelter then surely, in point of fact, everyone DOES own food, water, and shelter.
Or, if you’re of a more academic nature there are several indications in the literature, here, here, and here for example showing that what you are calling laziness and procrastination are actually a result of a context dependent lack of meaning in peoples lives. Creditism causes the meaning of peoples lives to be reclaimed because it's a context that values people in an ontologically accurate manner.

Money is the root of all evil!
If money is the root of all evil then wouldn't the control of money by a very few policy makers and boards of banks, causing them to make money, then cause them to be eviler than they otherwise might be?
We're pretty sure that the PRIVATE control of the CREATION of money is the root of quite a large portion of evil. And that the creation of money as private debt rather than public credit is the root of quite a good bit of the rest of the evil.
The context within which those evils function is the ignorant (an error) capture of a Commons, as if it was unowned to begin with, precipitating and ensuring the aforementioned evils, and explaining most of the remainder. (Like the Buddhists discuss).
Selection for certain psychopathologies to rise in power is driven by that state of affairs, and the creation of various other disempowering mental illnesses is driven by the conflict between our true natures, and their devaluation in our current economics, relating with other important developmental factors.

Creditism is just Socialism repackaged!
Actually, Creditism is an anarcho-libertarian-syndicalist-republican-meritocratic-confederated-representative-subsidiarityistic-decentralized-economic-direct-democracy if you want to be fussy about it. It appears to be a 2.0 version, or a technological reflection, of something primeval.
The anarchic element of Creditism has to do with replacing State bureaucracies managing property relations with people participating in dynamic self-determined stewardship mediated through a holochain network, thus causing those bureaucracies to become obsolete. A States’ ‘monopoly on violence’ begins to evaporate due to the syndicalist element mediated by the democratic bit. Police forces and prisons begin to ‘syndicate’ due to communities making self-directed decisions about how they want to respond to any violence a member of their community perpetrates.
The republicanism is the ‘rule of law’ of the incorruptible digital holochain record of all the planetary stuff on the one hand, and the ‘laws’ that are the allocation rules, for credit and for stewardship and property, of the economic protocol on the other hand. Additionally, there is the unique ‘democratic republicanism’ of each community consisting of the body of decisions regarding any violence of their members. That's created from the direct democracy interacting with the syndicalism.
The syndicalist bit is the fact that because of the republican bit people can and do self-organize into autonomous collectives (syndicates) to perform tasks the community as a whole has determined to be necessary or desirable. There are many forms of those ‘syndicates’: councils, co-ops, schools, hospitals, stores, farms, clubs, distribution groups, manufacturers etc. Really, since we're all doing stuff already, and we will continue doing a lot of that stuff under Creditism, the republican-democratic accounting simply transforms the meaning of a thing like a ‘company’ into the meaning of a thing like a ‘syndicate’.
The element of meritocracy is that there are allocation rules in the republican piece that award personal credit, and personal credit bonuses for work, and for improvements an individual makes to some object or resource they own or steward, since that is also work. Another meritocratic element comes in because the republican accounting of limited communal resources are allocated for productive use in a competitive libertarian market of ‘charters’ ultimately answerable to the democratic bit and the first meritocratic bit.
Creditisms’ libertarianism is that a State doesn't regulate free exchange in an open market. Instead, free individuals in a competitive open market of goods and services signal their preference, for a syndicate or individual producing a good or service, when they freely spend their personal credit, take stewardship and/or ownership of some object, like a house or car, rather than some other house or car, and through giving or utilizing their community credit, which functions to select an individual or syndicate over another individual or syndicate who are competing with each other for a charter to make use of a limited productive communal resource like a building, manufacturing facility, or a stand of trees etc. in Creditism’s directly democratic and republican mediated libertarian charter market.
The economic democracy aspect of Creditism is first an effect of the republican codification of the right to the credit on which individuals, families, and communities depend for their existence. It's further actualized by the republican codification of meritocracy in a libertarian free market since individuals are enabled to interact as free economic citizens who signal their desire for economic activities through their working and spending habits, and their directly democratic use or donation of their community credit, along with their directly AND representationally democratic decision making regarding the allocation of CC, for larger communal projects, from the city, regional, and global ledgers. Then the anarcho-meritocratic-syndicalism enlivens economic democracy further because of spontaneous self-organization for achieving extra personal credit, and personal credit bonuses, when working together for some desirable goal or product that a community and individuals signal as desirable through direct economic and political democracy, representational democracy, the libertarian free market of their purchasing habits, or all four.
Creditism’s direct democracy facet is the result of the distinction between community credit (CC) and personal credit (PC). Since individuals are empowered with a monthly allocation of CC, which they cannot spend as individuals, they freely distribute their CC to syndicates that they either create, join, or simply encourage. Individuals, thus, have a direct mechanism to ‘vote’ on communal projects of social value, accomplished by their chosen syndicates, that have need of CC, in order to enact the will of the people in accomplishing communal projects deemed as collectively desirable, in a bottom-up manner.
Creditism's representational democracy piece, coming from the republicanism, is that CC is also allocated monthly to the local, regional, and global ledgers, on a descending scale on a per-capita basis. That allows us to empower directly elected wisdom elders and knowledge holders (representatives) to fund larger top-down communal projects, of communal significance, for common good, mediated as well through the will of The People.
It's subsidiarity is comprised of the representative piece mediated by direct political democracy at local, regional, and global levels interacting with every other aspect in recognition that any matter of governance is best conducted at both the level most suited to solve it AND the level most impacted by that governance. Creditism knows, for example, that nuclear deproliferation cannot be solved by a local syndicate or council, and knows as well that local peoples are best suited to enact solutions in matters of local concern.
The confederation notion is that local, regional, and global groups united under the principles of Creditism that we inter-and-independently hold to be self-evident conduct ourselves in Liberty, by those principles, for all of our collective and self-determined Good.
Creditism is emergent fractal autopoietic self-determined Liberty, reflecting the nature of selection in ecosystemics in ourselves and our groups, at local, regional, global, and Gaiatic scale.
... But I bet you already knew all that! Another way to answer your “Socialism” critique is just to say that no, Creditism is The Algorithms as a reflection of The Axioms of Life as described elsewhere.
The rediscovery of money as credit we create amongst ourselves interacting with each other and the world under rules that either value or don't value existence (The Algorithms), is allowing us to begin realizing that each diverse voice of political, social, and economic philosophy, highlighted above, in fact only hang as facets of a jewel together. They are all unworkable alone, causing theoretical errors that eek out as externalities in other areas. As has been noted (shout out, Bret Weinstein!): Some individuals and groups are currently being “...rewarded for degrading what belongs to the rest of us.” Delightfully, it appears, that is no longer necessary...

That’s too complex!
Money is credit. Credit is created by individuals and communities interacting with each other and the world. It always has been. All of it has real value. Creditism is the accounting of real value. That’s simple. The rest just falls out like dominoes.

Creditism is Utopian. Do you know how much death Utopianism has caused?!
Yes we do! Utopianism can be defined as: the practice of maximizing for a single, or limited set, of metrics of value. It can alternatively be defined as: practicing an ideal or value to the detriment of other necessary ideals or values.
Capitalism is maximization for the growth of private profit, measured by the growth of debt money as its metric, concentrating real resources (wealth), and achievement of creative autonomy into fewer and fewer hands. It's other metrics like median income ratios with GDP play second fiddle to that, as a pulse taking of how ornery people are becoming. Those other kinds of metrics are republican-representative-democracy attempting to constrain Capitalism's inherent definitional ruthlessness. Capitalism is Utopian created somewhat Dystopianism, especially at the edges.
Whereas Creditism is not an attempt to constrain all values to a single, or limited set of metrics. Rather, Creditism Is the crowdsourced accounting of the myriad different kinds of real values, since it recognizes existence itself as valuable and valued already. Capitalism can only recognize the value of laughter, play, a building, neighborliness, fellow-feeling, teaching, machines, motherhood, tools, barn-raising, and time itself if, and only if, those activities are profitable as measured in debt money. Creditism doesn’t have that hangup.

You’ll never be able to implement Creditism. There's too much vested interest in the current system. Creditism is a pipe dream!
Alone, no small group of people will implement Creditism. Together though, many small groups of people will hear of Creditism, begin to understand it, and begin to participate in its crowdsourced and playful emergence. That is what you and I are doing together now.
... A collective of people built the tech: a decentralized holochain network database to account for global capital that's unhackable in principle (The Structure), many individuals are receiving credit through creating personal accounts on that database (The Spread), while individuals and collectives of people are earning extra credit accounting for all global capital by populating that database (The Play For The Commons), collectives of people are credited exploring and expanding the academic field of Creditism (The Grokking), the social field of Creditism is ringing louder as more people add their voices to it (The Spread), and our Credit is beginning to be used amongst ourselves with one another widening our economic, social, and cultural opportunities (The Praxis)...
... And we're partially back from our imaginal state (The Fugue)... Or perhaps (The Glasses) bah, bah, bammmmm!?... What do you think?
Besides, never acting on a problem of dire concern is certain to contribute to the continuance of that concern, as well as increasing its direness. That's a positive feedback loop; a self-fulfilling prophecy if you will. A cognitive error. Wacky, you feel me? From V For Vendetta:

Evy: Can I ask about what you said on the telly? Did you mean it?
V: Every word.
Evy: You really think that blowing up Parliament's going to make this country a better place?
V: There's no certainty, only opportunity.
Evy: I think you can be pretty certain that if anyone does show up, Creedy'll black-bag every one of them.
V: People should not be afraid of their governments... Governments should be afraid of their people.
Evy: And you're going to make that happen by blowing up a building?
V: (pause) ...The building is a symbol, as is the act of destroying it. Symbols are given power by people. Alone, a symbol is meaningless, but with enough people... Blowing up a building can change the world.
Oow, scary!
But Creditism doesn’t want to blow up any buildings, it just wants to account for them, account for you, and let you and that old moldy building dust yourselves off from fisticuffs with Capitalism and ten thousandish years of Game A, and let y’all and our ancestors put yourselves to good use for everyone and our children. But only if you feel like it.
It’s also about to annihilate Capitalism with a megaton integrative purpose bomb... Next objection?

Your going to account for me, my family, society, every resource, building, car, and product? Creditism sounds like a hyper surveillance state with no privacy!
Not at all. You, your families, your communities, and mine, are going to account for ourselves, our participation, and every resource, building, car, and product by creating individual and group, private and public, unhackable, backupable, digital accounts on an incorruptible holochain network when we feel like it because it’s fun, and we each think that we want to and need to. We’re already doing most of that already. We just happen to be doing rather a bad job of it while getting little credit for it, and destroying ourselves and the planet in the process.

Sounds like the Borg!
A tough cookie, eh? A real hard case, huh? A wise guy, is it? An iconoclast of the highest order! Difficult nut to crack, as it were. The veritable Megatroll of our times, I presume! And so on... Welcome! We’re a mob of angry nerds as well. So strap in...
“Actually, (delivered in as nasally of tones as you care to imagine) the Borg are a centrally-determined hive mind, imposed, created, and held together by the will of a queen, acquiring additional wetware nodes by force, to use lifeforms as viruses to propagate them-self, and their programming.
(Takes off glasses.) “Whereas, Creditism is self-determined decentralization, intuited, created, and held together by the will of the people, reclaiming collective resources through agreement, to use the planet as the foundation for regaining ourselves as individuals in communities, probably contributing to the continued emergence of a collective spirit that exists already anyway... Creditism-qua-Borg? (Waves glasses...) ...(Put’s glasses back on.)”

Creditisms’ uber reliance on digital technology for accounting and payment defeats it before it gets off the ground! It just isn’t going to launch! What happens every time there’s a power outage? Not to mention a system destroying Carrington Event! And what, you want my grandma to become tech savvy all of a sudden? She can hardly work the remote control for the dvd player she’s still using!
Oh! Things are more precarious than you know! If there was a Carrington event tomorrow our lives would be thrown into chaos because our infrastructures, institutions, and economics would be thrown into unmanageable chaos. Because those systems are centralized by design, and managed in a command and control fashion, the ability of people to respond to collective emergencies is severely hampered. But that's not the half of it!
Since our accounting for people, their skills, and the means with which to deploy their skills are centrally controlled, due to the centralized accounting of money as debt which is stored in undistributed privately controlled digital ledgers, a Carrington event would immediately halt any responsive necessary and productive creative activity that gets its marching orders from money as debt circulations. And there’s a whole lot of responsive necessary and productive creative activity that so get their marching orders. It's a lot more than you think, and there are similar precedents.
It’s akin to what happened in The Great Depression, sans the digital aspect. It was a sort of economic ‘Carrington event’. We all still existed. Our skills still existed. Our buildings, machines, and resources through which we deploy our skills still existed. Our desires to deploy our skills still existed. Yet, masses of people found themselves without food, water, shelter, or opportunities to work. In that situation what is the thing that was absent? Credit was absent. Money was absent. Somebody said, I can't remember who, that The Great Depression was a situation in which it was like if your boss called you one day, when you were getting ready to go and build some houses say, and instead he said to you, “Well, there's no work today. We've run out of inches.” Circulating paper money, and accounting on centralized paper ledgers at the time were those inches.
In our current fragile, complicated, regionally global, and centralized economic system we find ourselves entirely hampered from addressing your concerns. We have the knowledge of Carrington events. We want to be prepared for them. We know how to be prepared. And we have the enthusiasm and stick-to-it-iv-ness to address that concern. What we don’t have is the correct economically mediated political and social will to do so. In the antifragile, complex, globally regional, diverse-to-the-nines, decentralized, distributed system of Creditism your concern is heard and valued, and you are given the social, political, and economic capital to address your concern in a creative, innovative, and even playful fashion with your peers. You could create, for example, iterative distributed community supported Faraday cage shielded electronic ledger backup bunkers, powered alternately by shielded geothermal generators, with walls decked out in storm fallen hand crafted and finished walnut shelving, occupied with hand inked paper ledger backups of the digital records on handcrafted and bound local paper that hearken back to medieval illumination manuscripts, with the overall aesthetic effect of a shrine and sacred repository of knowledge to communal credit relationships that allows us all to out-wait any storm the Sun cares to express, while watching an astonishingly unprecedented Auroral display we’ll all remember for a thousand years... Knock it out of the park, dude!
Or we can just print certified monthly personal and community credit statements and what not. Whatever’s clever. External back up drives don’t need power until you wanna look at ‘em, and we can physically account for most capital items listed on private ledgers as well. In Creditism the resetting of Credit balances isn’t the end of the world, just the continuation of game play from approximately where we left off.
Last, and most definitely not least, your Grandmama... When engaging with our economic system is as easy as playing Angry Birds on her smart phone while being valued for any personal, political, or economic voice she cares to exercise, and having no compulsion to do any of those things, while you and your community have access to the resources to care for her anyway, your lovely Granny will flourish more fully than ever before. As will we all.

Maximally distributed access to natural resources will be terrible! Far from being sustainable, Creditism will hasten environmental decline!
The Tragedy of the Commons, huh? Okey dokey.
At the moment we have minimally distributed public access to collective resources, and maximally distributed access to those same privatized resources, for the maximization of private profits ripping down ecosystems at break-neck pace, where the former Peoples stewarding those resources can acquire access to them if, and only if, they pay for them by agreeing to contribute to the breaking of necks at warp speed.
I’d like to simply ask here, “Were there more fishes in the sea before Capitalism (and its precursors) or less?” But that won't do the job! Though my current belligerent interlocutors are none other than my own shadows, and their access to the abysses of our collective unconscious, I temporarily tire of their inexorably hopeless cynicisms. Nevertheless, Structural Coupling! (w a collective, and quite salient, groan from
@Remzi Bajrami
et al 😉 ).
Speaking “ex cathedra from my belly button” (What up, Heinlein?!), and from the irrefutable oculus of my bowels, an organism is a complex adaptive system that is far from equilibrium with its environment. So to is an ecosystem entire.
Meanwhile, economy to date, in our modern parlance, is a mere complicated reactive system struggling for birth to the complex. Having not achieved that stature, it has remained a poor caricature destined to compete with the systems on which it relies, in a destructive tension of maladaptive stress (this turns out to be partially untrue as per below, but i like to preserve thinking in real time). That is to say, it soils the bed it lays in reducing its ‘feels’ (@John Wilkins, indubitably. I steal, and probably mis-characterize!) to what it can quantify as growth in a couple of senses.
Yet, complexity’s the thing to reach for, so what is it? As a layman I shall traverse limbs, and perhaps fall on my rear if ever I speak with @Jim Rutt or the like, complexity is that which lives in the median between one order and another.
A carton of creamer, and a mug full of my morning coffee (currently “Black as midnight on a moonless night.” David Lynch and Mark Frost, props ✊.) are both perfectly ordered. Similarly, since I do not take mine in the manner of Special Agent Dale Cooper, my creamed coffee can be described as perfectly ordered as well. The magic of complexity happens in transition when I pour the creamer into the coffee and structured galactic eddies and swirls emerge. It is an order, but an order that requires a greater density of information to describe. (Hm 🤔)
That swirling system is far from equilibrium. Its entropy is low. It lives, momentarily, in the moment of centropy, destined to decay. We might flash-freeze the system, and think thereby we’ve captured its eddies, captured its complexity, but then in doing so we’ve stunted its rate of change and thus reduced the density of information necessary to describe it. That isn't complexity. Or rather, complexity is relative, a ‘second order’ measure (is that, technically, right?), complexity is a measure of one system as contrasted with another?
But the salient question is are We, The People destined to decay? Given our current system, yes, we are. So, how do we keep the coffee from mixing with the creamer? We’ll need to understand complexity in a second sense.
The first generation 4Runner I sold yesterday, for far less than I put into it, is not a complex adaptive system. It's a relatively complicated system. The main differences between that 4Runner and an ecosystem, I think, are three. First, it doesn't self-repair, and it isn't homeostatic (?). Second, it doesn't have redundancies, all of its connections to the other parts, which constitute it as a vehicle, are 1:1. When one little elbow pin (can't remember what it's called) on one piston breaks, it isn't a vehicle anymore, or will rather rapidly, become NOT a vehicle if I continue to drive it. Third, it does not and cannot adapt to its environment. It doesn't change as its environment changes. It isn't a dynamical system structurally coupled to its environment. An economy, I think, MUST be that.
“The idea of structural coupling introduced by Maturana and Varela is relatively simple; it suggests that a complex system adjusts its structure to the structure of the environment in which it operates. The adjustment comes from the constant interaction between the system and its environment...”
Let's see if I can get this right, others can critique me later. Our economy today functions in a state of ‘coupling’ somewhere between the 4runner I sold (Goodbye Rosalita! Farewell! As I shed a single tear.) and an organism. In the sense that a massive crop failure, for example, has rippling effects throughout our global economic system it is obviously coupled to its environment (the planet), and internal adjustments occur in prices, investments, sometimes in aid, and even in agricultural practices to some extent. It adjusts its structure to the structure of its environment. Interesting, and of course! An economy is always structurally coupled to its environment, how could it not be? If it runs out of oil say, it will either adjust or be adjusted. The Easter Islanders economy of massive stone head creation was adjusted by there being no more Easter Islanders. So an economy is a complex adaptive system, but a planet is not the only environment it is structurally coupled to. It's other environment is a monetary system.
I've personally been through this territory many times, but this brings it into astonishingly stark relief for me here, and I am legitimately surprised at having begun to conflate these notions again: an economy isn't a monetary system. An economy is caught between two masters; the environment of the ecosystems it depends on, and the environment of the monetary system it depends on (we could also further break it up). Reason is neat! An economy is always structurally coupled to both. But, is our global monetary system structurally coupled to anything?
And there's the rub! The answer depends on the perspective we choose to take. In the context of ‘number always go up!’, ‘too big to fail’, and speculative finance our monetary system is only structurally coupled to itself in self-stoking positive feedback loops (You self-absorbed kleptomaniac!), while any other perspective we might take would seem to be an attempt to demarcate it from the structures it consists of, like claiming my body is ‘structurally coupled’ to my heart, that would bend the concept out of intended shape. It occurs to me now that that is a good way to characterize the increased financialization of the global economy over time. It is a constant decrease in the strength of the coupling between financial or monetary ‘value’ and real value. Of course money is coupled to a physical planet, ecosystems, and human beings, but it increasingly acts as though it isn’t putting us all in the position of having to serve as the circulatory system of money, rather than the other way ‘round. The geobiosphere, included ourselves, are being treated and defined as the veins and heart and blood in the body of money, saddled with making sure that body survives.
Our global monetary system is not a complex adaptive system, but (i think) it should be. And I will here hang upon another limb (Cripes! How many limbs is that?) and declare that to be the crux of our current global, regional, and local economic challenges: the only way for a monetary system to regeneratively account for and steward other complex adaptive systems, is if it is itself a complex adaptive system structurally coupled to the systems in stewards, which in turn are structurally coupled to it. Number cannot always go up. We are in the Anthropocene. An ecosystem and economy have no choice but to be structurally coupled to each other and to a monetary system, while our choice is to own that fact as stewards or not. If we don't we’ll be adjusted either by hook, crook, or collapse.
The monetary system of Creditism selects for the conscious and uncoerced recoupling of humanity to the ecosystems we depend upon, because its definition of work consists of a field of the myriad real and existential needs and values that in fact constitute us as organisms on a planet and members in communities of mutual benefit.
Under Creditism generative and regenerative work is directly paid into existence (and thus valued) without the need of intermediary approval from political bodies attempting to juggle competing interests for the allocation of funds.
While the raw materials of industry will, of course, always be limited by a finite planet and the finite amount of work actually done to extract and prepare those materials for the market, the use of those materials and work, and the purposes to which they are put, is no longer constrained by the extraction of rents, an impoverished growth imperative, and a pyramid of values with increases in private profit at its apex. Moreover, human labor and types of work become revalued and human labor intensive solutions with lower externalities in terms of energy and resource extraction costs are organically reevaluated as viable when individuals in communities begin deciding whether to for example create concrete, lumber, and energy intensive housing projects or initially more human labor intensive homes from locally available renewable and free materials while claiming greater personal credit for their labor.
Thus, projects and work can and will often and increasingly consist of alignments and integrations of multiple values, purposes, and functions, because ‘efficiency’ will no longer be defined as service to those three prior goals by the shortest possible route.
The Tragedy of the Commons, under Capitalism, or i think more specifically under whatever word can name that mutant monetary system, is largely a strange and misleading doublespeak. When humanity's few remaining commons (like the oceans) naturally produce products (like fish) that humans are forced to privatize as rapidly as possible in competition with one another, for profit, that tragedy is a rather misnamed and forgone conclusion. The Buffalo hunting tribes of North America for example didn't kill all the buffalo (Yes, ‘Bison.’ But go tell a Sioux Indian to call ‘em Bison, and see what response you get. Don't bother me about it.) Mercantilism transitioning to Capitalism killed ‘em for the profit of their pelts and tongues.
It has been argued (and counter argued) however that the megafauna extinctions in North America were a Tragedy of the Commons. Fine, but what then occurred would seem to be a combination of cultural evolution and conscious intent. Some form of, “Hey my dudes and dudettes, uh, we're totally structurally coupled to this Turtle Island here, so we'd better start acting like it or we're gonna go out like the Easter Islanders with their wacky stone head collection...” happened. So the various diverse peoples became “The People of the Buffalo”, “...of the Caribou”, “... the Fish” “...Sea”, “... Whale and Seal”. Some of them in fact became stewards of the habitats of their food sources. They diversified an enacted their unique cultural identities.
Creditism as a monetary system is an incentive landscape; a context for varied forms of techno-primitive indigenous 2.0. preventing The Tragedy of the Commons by not forcing its necessity. It will not prevent all instances of such tragedy, but instead liberate us to reckon our errors allowing us to instantiate and enact diverse sets of economic activity, and environmental and communal relations, while valuing us in that participation as we reconcile and reconstitute ourselves again as The Peoples of Earth.

Who will own small businesses?
Recall that every person and Corporation has cashed out the net value on all land and buildings, thus they have no more ‘ownership’ claims to those; they get listed on Local ledgers. The original ‘owners’ become care-takers and directors of their business group (if they want) and for this extra responsibility they will earn more pay in Credit. There is no rent, debts, property tax, utilities, insurance, or labor costs to pay anymore. The land and building can continue to be used by the same business simply by registering to lease free from the City. The business group is run by existing workers cooperatively and/or new workers who choose to work there for Credit direct by the system. In the example of a movie theater, it already exists, the workers work, they all have a say and they can organize it however is best to run it. They will have some expenses, they’ll need to buy cleaning supplies, bathroom items, and generally repair and replace things over time. For this they will have a Community Credit account. Any person or the City can give them the CC they need. The drink and food on location could be paid for by user Personal Credit rather than from Community Credit in this case.

MarketVariable - (supply\demand ratio, cost of external factors)

Percentage Distribution of Total Market Sales
Percentages of Global Currency Distribution Comparison
% in Capitalism
% in Creditism
There are no rows in this table

Annual Capital Flows Comparison
Private Ownership of Global Assets
Credit to Nations & Corporations
Credit to Private Capitalists
Credit to People
Credit to Government via Taxation
Credit to Private Banks
Credit to Communities and Co-ops
There are no rows in this table

Creditism Song:


Loose Text
The need for elected representatives and centralized institutions is replaced with consent-based protocols that define the relationality with one another and our communities.
Using modern technology, we can ensure that everyone always has currency to purchase items from the global ledger or to exchange private possessions. This approach simplifies and promotes fairness in mathematical calculations, eliminating capitalism’s negative externalities. Consequently, we can establish a genuine, open, managed, and free market, rather than extraction and rentierism of our commons.
In Creditism, a decentralized currency unit called Credit flows directly to all people without requiring any redistribution schemes like interest or taxes. Firstly, it flows monthly to everyone as a universal basic income (UBI), providing an equal amount for everyone's basic needs. Secondly, it is collected by people as proof of participation (POP) for their contributions in activities like playing, learning, and working. Lastly, Credit currency flows as a bonus incentive to recognize and reward excellence in all aspects of social activity replacing profit by trade.
Decentralizing money and its power means we can eliminate control and domination by banks, corporations, nations, governments, dictators, bosses, hierarchies, and masters of all kinds. People will be the primary players and not fictional entities......
We can become one global human family, a real Civilization.
Imagine bold and urgent transition to full participation in the co-creation of our shared reality. It means we can finally have an open, shared, collaborative, prosperous, and truthful social economy instead of one built on rivalry, secrets, patents, misinformation, lies, and war all incentivized by an amoral Game A value system they call economics.
Capitalism is a finite game just like Monopoly. It is a mathematical inequality-producing game that has already been won by a small percentage of people who own and control the entire world. Sure, we can have a revolution, flip the board, reset the points and the positions of all the players but we’d wind up again with concentrated wealth and power if we continue to determine value by trading capital. This is what Jesus attempted to do, only to be crucified. This path has already been tried repeatedly before Jesus’ time with debt jubilees resulting inevitably in the same disastrous hierarchy, inequality, and poverty.
What’s needed is an evolution of economics, a new game of life.
Creditism represents an evolution by reclaiming our global credit and our global commons, which can restore both our people and our planet. It reimagines the control, use, and access of land, buildings, houses, and resources worldwide. It is a new math. It is the beginning of infinity.
Creditism enables participation, coordination, and the creation of a new emergent world free from existing power structures. It seeks to eliminate the separation between the economic and political spheres, creating an emergent egalitarian society in control of life's essentials and rendering the state unnecessary.
In Creditism, the ultimate goal is to prioritize life over wealth. After all, the economic organization should enable the enjoyment of life, nature, and culture.

Certainly, all work is voluntary in Creditism, allowing individuals to choose where they want to work for personal Credit. The system transforms corporations into worker self-directed groups, run democratically by workers, focused on providing services or producing goods based on people's needs and desires. These groups do not operate for profit and are subject to democratic decisions by the local community regarding properties, equipment, or land, aligning with regional and global sustainable goals.
The need for profit-driven work is replaced by a Community Credit account in each city, funded with 50 units per citizen monthly. Citizens can collectively decide where to allocate these credits, resembling civic crowdfunding. This money is then given to clubs and co-ops through their Community Credit accounts for purchasing necessary supplies. The system incentivizes positive actions, such as protecting the environment, by removing the rewards for harmful practices.
Unlike the current economic system, Creditism shifts the focus away from slaving for a paycheck to pursuing moral personal goals. By redirecting efforts toward education, renewable energy, healthier food, and infrastructure improvement, individuals can contribute to societal well-being. Money, as a tool for exchange, is redefined with the introduction of a universal Credit currency, eliminating the corrupting power of money. This allows for a true 'free market' of 'things', with utilities like energy, water, internet, cable, and cell service mostly being free.
In this new system, digital content and various goods may eventually become free as technology advances, and Society rewards producers with bonus Credit based on demand or value. The concept of Bonuses extends to individuals or groups excelling in their fields, fostering competition and extraordinary contributions. With the elimination of coercive practices through the proper use of Credit, people can enjoy true liberty and full equality.
Many jobs that serve no purpose to individuals or their communities, such as those in banking, stock brokerage, and marketing, are thrown into the dustbin of history, thus freeing people to pursue more meaningful endeavors.
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