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Security - Guaranteed Housing: If you currently ‘own’ your primary home or have a mortgage, you become instant Title holder. Whatever ‘equity value’ you have in the property is credited as additional Credit currency in your account. The house is now yours for as long as you want it— no more mortgage, insurance, rent, or taxes. If you own more than one house, those Titles are added to your list of property too, but you’ll have some decisions to make. If they are vacation homes, you might choose to keep them for yourself. If they are rental properties, you’ll have to release the Title for others to choose from first before getting any ‘equity value’ added to your Credit account. Why would you want to be caretaker for something that is of no use to you? Because it is your property, you could have the option to grant first right to Title to a relative or friend if you like or choose whichever as your primary house.Do you currently rent? If so, then you will be first in line for Title selection should the ‘owner’ release the house. The ‘owner’ gets more Credit in exchange and you get the Title free.Housing that is currently owned by banks, investment funds, REITs, Insurance, or ‘public’ companies becomes part of the Commons under open direct-democracy control by the region in which it exists. Recall that ‘investors’ of those companies have already exchanged their ‘equity assets’ into Credit, thus have no more claim to these housing units. They become available for real people to select as caretaker.Security - Housing LevelEveryone will receive a personal Housing Level from 2 – 10, based on various factors like your age, previous addresses, current home net value, demand, current inventories among other factors. It will be based on a universal algorithm with value inputs by people. Your Housing Level will determine which housing units you can choose from as all houses will be valued from 1 to 10. Don’t worry about where you start because this number will increase throughout your lifetime and you can always ‘buy’ up in levels using your Credit currency.If you get a personal Housing Level of 6.5, what does that mean? It means you have qualified to select any house with a value up to 6.5. You will use the App to find available housing anywhere in the world, choose the date you wish to move, then select a Title to a home. As a result, your previous home becomes available for someone else to choose from. The App will even allow you to get in line for a house you really like should it ever become available. We can build in functions like temporary swaps, other uses too.There are three ways to increase your Housing Level. The first is to directly ‘buy-up’ using your Credit; for example, the market price could be 50,000 Credit per 1 Housing Level increase. We imagine the algorithm will be a sliding market scale that may cost more as Level increases, factoring in supply/demand. You could also use your Credit to upgrade your house, which also upgrades your Level. For example, your personal Housing Level is 6.5, but your house is valued only at level 5 and you decide to spend 50,000 Credits on a major renovation. In this example, your personal level will increase +1 to 7.5, and the house value also increases +1 to 6.As newer, better housing is built and inventories become more plentiful, everyone’s Level can be adjusted upwards.Security - No Fighting, No War, No Nuclear WeaponsIt is illegal to develop nuclear weapons and other weapons of mass destruction. It is illegal to assault, rape, or kill any person, except in self-defense. If you do or cause harm to others with intent, either physically or by lying, you will be personally responsible for these crimes against humanity and will be judged by a jury of peers.
Reward MenuLevel 1: $1 to $10 Credit per hr
These are any Personal & Amateur Activities
School, Class, Sports, Fun Work, Entry Level Jobs, Coaching, TeachingLevel 2: $10 to $20 Credit per hr
Activities requiring more commitment or experience
Mid to advanced level jobs, Advanced Study, Semi pro, Undesirable work, Coaching, TeachingLevel 3: $20 to $30 Credit per hr
These are experts, professionals, and top leadership roles.Using Credit currencyAs a currency of exchange, Credit can be used to buy things like food, clothing, furniture, products, and more. When you spend Credit on something, it is deducted from your account and the value of the product gets listed among your Titles. It is now your personal property to do with what you want, give away, trade, sell, up to you.Although most things will have a market Credit price, many things will also be free in Common Planet. Events like a showing at a movie theater, a concert, skiing, or air travel have the potential to be free as well. For example, if a movie theater can seat 400 guests and only 300 people say they are going to a show, then it’s completely free of charge. When demand exceeds capacity, though, the order of who gets to go will be arranged in a number of different ways to accommodate everyone in a fair manner in an open market, all built into the application itself with Individuals and the Community all having input. We’ve come up with many exciting ways this could be handled.Community Credit accountSimilar to crowd-funding, you get to direct your personal allotment of Community Credit to fund any Groups of your choosing anywhere on the planet. In addition, your local city will also receive 50 Credits per citizen per month in a Community Credit Account. All citizens of your city can then organize and vote on how the monies in the Community Account get allocated to the various Groups within your city. This way, we can be sure to fund essential services that may not be ‘popular’.For example, a school might request an annual budget of 1,000,000 Credits to buy supplies. If they are unable to raise all the funds from Individuals, they can request funding directly from the Community Credit Account. With adequate support, they can buy all the supplies they need.No person or Group has to pay you for your time, thereby eliminating the biggest ‘expense’ most Groups face in society today: labor costs. A school is no longer limited by how many teachers it can have due to a lack of money. It is only limited by how many people are able or willing to teach— this is at NO cost to the school. The school need only collect enough Credit to fund the purchase of real supplies like paper, computers, and renovations— not labor.The same goes for any Group. Labor is now an opportunity for people to earn Credit rather than an expense the Group has to pay for. This eliminates most coercion and corruption that is rampant and built-into today’s system. This also allows more flexibility in the ‘labor’ pool in cases of emergencies. Right now, if there is a fire, flood, or hurricane, there will be a limited supply of ‘labor’ because there is never enough ‘money’ to pay for it. In Common Planet, what needs to get done can get done quickly because those that do the work will get paid directly.Corporations and Government AgenciesUnder Common Planet, all corporations, non-profits, governments, sports teams, schools, police, etc will be referred to as Groups. These Groups will function as co-operatives where the members run everything democratically. This is well researched and defined as ‘’.Groups do not have to “own” Titles. They are allowed use of property and equipment that is owned by either individuals or the Community. These Groups exist and are formed only to produce products or provide services as deemed desirable by the individuals in their Community. This way, anyone can start a Group, find available land, property, equipment and request ‘use’ by loaning it out free from the Community, like a lease. A budget is created and Credit is requested so they can buy whatever they need to operate. Upon dissolution, all property and Credit balance is returned to the Community and available for other Groups to use.
Liberty = Freedom with responsibility
Notes & Unused
THIS SECTION BELOW IS WORK IN PROGRES
Civilization Has an Operating System
Just like computers run on operating systems, civilizations run on coordination systems.
For the past few centuries, the operating system of the global economy has been capitalism, built on a banking system that creates money as interest-bearing debt.
Creditism proposes a different operating system — one where credit is distributed directly to people and communities instead of being issued through private debt.
Change the operating system, and the behavior of the entire system changes.
Capitalism creates money as debt that must be repaid with interest.
Creditism distributes money as credit to people and communities.
One concentrates wealth.
The other distributes it.
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.
Additionally, Creditism dismantles the barriers of copyrights, patents, and secrets, reducing intentional misinformation. The system encourages the development of knowledge and innovation, emphasizing the importance of embracing new ideas and information. Creditism, born out of the desire for all people to live in an environment of opportunity and autonomy rather than scarcity and control, strives to achieve positive change and promote a more equitable world.
Sovereignty means to be a responsible conscious agent to the world.
Tune in to the truth.
Turn on your sensemaking
Act: make good choices using your senses
MarketVariable - (supply\demand ratio, cost of external factors)
Percentage Distribution of Total Market Sales
Percentages of Global Currency Distribution Comparison
Segment
% in Capitalism
% in Creditism
Profit
10
0
Rent
4
0
Insurance
1
0
Interest
5
0
Tax
10
0
Resources
5
50
Labor\Activity
65
50
There are no rows in this table
Annual Capital Flows Comparison
Aspect
Capitalism
Creditism
Private Ownership of Global Assets
000
100000
0Credit to Nations & Corporations
000
15000
0Credit to Private Capitalists
000
0000
51Credit to People
000
34000
70Credit to Government via Taxation
000
0000
100Credit to Private Banks
000
15000
0Credit to Communities and Co-ops
000
10000
30There are no rows in this table
Creditism Song:
REGENERATION
Implementing regenerative systems for healing, renewal, and restoration.
RESILIENCY
Creating interconnected, diverse, networks of solidarity and mutual support.
RECIPROCITY
Cultivating a relational field of symbiotic enrichment.
GNOSIS
Drawing from all wisdom traditions to establish a direct relationship to the divine.
EROS
Embodied practice cultivating a relationship with that which enlivens.
POLIS
Refining our relationship to the whole through systems that promote equity and sovereignty.
ALL TEXT BELOW DIRECTLY FROM THE ORIGINAL
Sovereignty, Opportunity & Liberty
… for every person on Earth!
It’s a global, alternative currency system that can be used if/when the people need or want to evolve. It’s a plan for a new game of life, but this time, without debt, without taxes, and without Masters. It’s time for supreme rule of one’s self. With these steps, we can unite humanity.
It starts with a global reset; the deletion of all debts. Each person gets a new global, digital Personal Credit account with a starting balance based on their age. Next, people convert the net asset values of all their property (cash, bank accounts, land, houses, buildings, stocks, bonds, etc.) and add that amount too. The important part here is to make sure everyone has Credit to start with. Yes, every person on Earth, even kids.
Common Planet is a re-imagining of the control, use, and access to all the land, buildings, houses, and resources on the planet. Using open Geographic Information System (GIS) to model and become caretakers of housing or property as a guaranteed right. You will be responsible; it will be yours free from all debt, insurance, rent, or taxes for as long as you like. You will enjoy upward mobility with the opportunity to move anywhere on the planet, trade, swap, or upgrade.
Since there will be no need for Banks, Insurance, Investing, Tax Collecting, Real Estate agency, Advertising, Sales, other middlemen or any financial ‘services’, these houses, offices, and buildings currently in use will become available for citizens and Groups to use.
Utilities such as energy, water, internet, TV and mobile service will mostly be free. Anything with a production cost of zero, will be free, of course. This includes all digital content: music, books, movies, games etc. As we build and improve technologies, ‘costs’ will go down, and eventually more and more ‘things’ will become free, like food, clothing, products, even transportation; maybe this can lead Society toward that elusive dream of the Resource Based Economy (RBE).
SHORT VERSION
It’s a global reset; delete all debts. Give each person a Personal Credit account with a guaranteed minimum starting balance based on their age. Transfer and add values of existing monies and net assets of some properties too. Then give everyone a monthly payment for life of Personal Credit and the game begins. Anyone can earn more Credit when they learn, play, create, invent, or work. Using an open proof of work architecture, the Credit goes directly into your account. You get to participate and decide what is necessary, worthy or valuable in society. And Bonus Credit to reward all kinds of special achievements to make life more fun. To recap: Personal Credit is created as 1. monthly payment, 2. When you earn it, and as 3. Bonus.
The Credit is a digital currency, a unit of measure of value, which is used to buy either limited goods or activities in the open market. Personal Credit is for personal use only, it can not be transferred to another. Credit is not treated like a physical object like today’s Money. You’ll soon learn how this change to a Credit currency strips away the evil power of Money. It eliminates most coercion, corruption, and robbery.
When you buy a product or an activity, the Credit is deleted from your account and is either consumed by you, on food, clothing, activities, or becomes your personal Property. You can sell your personal Property for up to its cost or even gift it. In this way, Credit is retired from circulation so it’s a stable, non-inflationary system.
Every adult becomes guaranteed caretaker of housing, free with no debts, no insurance, no rent, and no taxes. Your house will be yours for free for as long as you want, and you can move to a similar quality anytime, anywhere on the planet. When you select a new house, the previous house becomes available for someone else to choose. Credit is used to improve housing and to compete for higher quality housing.
Electricity, water, internet, tv, and mobile mostly free. Products and services that are almost unlimited (medicines and healthcare) can be free as can things with zero production costs like digital music, movies, games, books, classes and more all free. Recall, the producers claim their work time and earn Credit directly, then receive Bonuses on back end for the most popular, inventive, productive, etc.
All commercial land, properties, and resources become the commons, using an open mapping architecture. Corporations and Government agencies transform operations into co-op Groups with free lease to their equipment and properties. Anything unused becomes free from the City like a library today to use resources most efficiently. There is no need for debt, rent, taxes, or labor costs for any Group Enterprises. Here, labor is an opportunity to earn Credit, it is not an expense, no one pays for it, it’s simply created when it’s earned. For Groups, the main costs to account for are the cost of raw materials (physical resources).
Since Corporations and City Government functions still require currency (a unit of exchange) to buy physical goods in the open market, how do they get funds since they are no longer selling things for Credit?
Each City gets a Community Credit account funded monthly with equal amount times # of citizens; think of it like a direct UBI for the City, replacing the need for taxes. Local citizens organize themselves, give this Community Credit to fund the Groups in their City so they can buy the materials for housing, buildings, roads, whatever they want or need. We also give you your own Community Credit account, funded with equal monthly amount, so you can use to direct and give to whatever Group you want to support.
To recap: the Personal Credit is used only for personal transactions. The Community Credit can only be spent by Groups or Cities, so it’s safe and probably fun to allow it to transfer from person to person because it can only be spent by Groups in the open market. All Credits are equal value competing in the open market, with no inflation of circulation (UBI amounts are within our total control).
Sovereignty
Every month, everyone gets a Universal Basic Income— an automatic payment of equal Credit for every person, regardless of age. This amount should be enough to pay for basic necessities like food and clothing. As an example, let’s say it’s 300 Credit per month.
Opportunity
Now that you have a Credit currency account, universal basic income, and guaranteed housing, what about work? In Common Planet, how you choose to spend your time becomes an opportunity for you to earn more Credit. When you work any job; go to school; read; teach; write; take classes; create art; play music; exercise; play sports; care for children, the needy, or elderly, you will earn more Credit.
Needless to say all work is done on a volunteer basis. You work where you want to work and you help to create work too. This can be a free market of labor. Finally, society can Reward people for doing good instead of allowing Masters to coerce and force people to do bad. Every month, everyone gets a Universal Basic Income — an automatic payment of equal Credit for every person, regardless of age. This amount should be enough to pay for basic necessities like food and clothing. As an example, let’s say it’s 300 Credit per month.
Liberty
You have the right to freedom of speech, mind, and religion. You have the total right and responsibility to control your own body. These rights shall never be challenged again. You don’t want someone telling you what to think, say, do, or put in your body– neither do we. The United Nations declaration of human rights can be used to construct a global Constitution.
You will have the right to vote directly on matters that concern you locally or globally. Don’t worry about the ‘majority’ in your City passing stupid rules, because you can easily move. We imagine Cities will ‘compete’ to attract citizens.
Right now there are who are building the technical applications that will allow for this, and we will continue to collaborate with these open-source developments and introduce these tools to begin the conversations that will lead to consensus.
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