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When dealing with the City of Tomorrow as STIR Foundation we are challenged by banking people to help define the “bank of tomorrow”. New initiatives are being worked out but invariably the issue arrives at the financing of banking services, the salary of bank personnel. They keep seeing money as a product, not as a means and calculate profit by introducing an interest rate.
Money is energy
I try to explain the concept of money as energy in value creation processes. I compare money with solar energy. If we had to pay interest over the energy provided by the Sun then Earth would have to generate more energy than the Sun to pay back. That is impossible in nature.
Most bankers get confused with the term “money creation” from money, the magic of making 2 euros out of 1 so to say. This term was introduced when money became an instrument for speculation. If you lend 100 against 103 per year, you “created” 3 the first year. After 23 years you have “created” 200. 1 became 2 as by the art of magic.
This is of course no money creation. It is an illusion that is created by transforming human or material energy into money by taking it away from circulation.
If you invest 100 in a precious stone when there is a shortage of such stones then you can sell it again for 300. One may think that money is created but again it is an illusion. All that is done is a stone being taken from the circulation to create a shortage slowing down value creation in exchange for speculation. We have not created money, we made the circulation of values less accessible for progress. If the stone is a gem the hoarding would be fine because its value is mere psychology. But when this psychology is used for a house for people to live in it would be a disaster. Worst still, if it is food instead of stones life would be exchanged for death. In the end everything would come to a hold.
If we would take solar energy away from life out of speculative interests then we would not bid but cease to exist. That is what happens with progress. It disappears.
Bank of Tomorrow
The bank of tomorrow is hence the equivalent for value creation as the Sun is for sustaining life. Money is as solar energy that needs to flow freely in evolutionary processes like the transformation of light ot heat into practical energy for usage in life creating and sustaining processes. Money is a means. It does not regenerate, create itself or revalue itself. It is a transformative catalyst. We can’t eat money nor live in it.
Salary for bankers
Bank employees are only needed in the bureaucracy around speculation. In the bank of tomorrow no massive amounts of employees are needed. Money is an external source of energetic supply that is only meaningful when things are done with it. People managing that process are compensated by the values they create not the money used. They just have to assure that the energy is used and not speculated with.
In the bank of tomorrow speculation would be prohibited as it kills rather than facilitating life. That is why the bank of tomorrow will not come from the bank of yesterday. The concepts are totally different.
The internet is filled with articles about conspiracies against humankind. The most persistent ones are the stories about the banking families controlling the world of finance, the business conspiracy controlling the markets and the conspiracy of the Islam to control the religious world. Many more circulate. And YES! They are all true. In fact, they are all normal, even though you can hardly call them a conspiracy against humankind. They are conspiracies using humankind. In fact, the biggest conspiracy against humankind are we ourselves.
That is because we believe in wellness provided by external resources and allow people to develop hierarchies to control them, making us dependent through financial means, goods and the mercy of God.
There are good reasons why this has grown this way
World peace until we die
Dependency creates ignorance and ignorance makes people docile. Surround people with all the goodies of the world and we will never stand up again for ourselves. From a world peace point of view this is excellent. The vast majority of people in the world have not reached the level of awareness to carry responsibility in the highly competitive world of an advanced species. So spreading ignorance through dependencies is a means to avoid disaster, especially now that we are growing to a extremely large world population.
The problem we face is that this ignorance also structures our systems. All manipulators are people who just desire the power of control. Their blind focus is totally ignorant of the bigger consequences. If they become aware they are morally to blame so large efforts are put into keeping them clean of responsibilities. That’s why they purchase with money and institutional donations, scientific reports that contradict scientific evidence, spreading doubt and division out of self interest.
Divide and rule is the democratic credo. When millions of people disagree, common greed and self interest rules. That’s the basis of a democracy that has no other purpose than to dispute each other’s opinion with the only common denominator being money. Since “money” has no other value than growth the entire democratic discussion becomes senseless, manipulative and meaningless.
We see political governance practice this technique. They control the tax money as unified source of control and spread it over the population through subsidies and services to create dependency, competition and confusion. The more they divide, the more they themselves remain in power. Power is what rules, not progress, nor responsibility. They themselves are never to blame because confusion reigns. They can always resign (against a self installed protective wage) or blame others and get someone else to continue the game.
The population meanwhile loves democracy because it gives a sense of control through freedom of choice and speech. The masses do not realize that they allow financial dictatorship continue while their democratic vote disappears in the permanent confusion of minorities. The governing politicians forcefully need to team up with the money makers because that is where the power of both comes from.
Indeed it feels like a conspiracy but it is culture and human attitude around power, dominance and dependence (in the shape of slavery)
Food, fun and shelter
These three key issues are needed by all human beings. Those who control food, housing and the fun control the human needs. In a growing population, resident in cities, these issues have become instruments of speculation. It has simply grown that way. The benefit of cities is that it keeps the destructive masses out of the countryside, allowing for optimization of space and services. Cities are money driven hot-spots where capital interests have risen sky high. People want to live in cities because of the perception of work and money, not realizing that they sell their souls to the devil because of the money driven slavery in the cities.
The tremendous needs for energy, material resources and food of the cities creates a sucking force that is in hands of the speculative financial markets, demanding large scale productivity with all the consequences for our global environment. The cities are centers of automated processes where money rules and the human being is the means.
It is not a conspiracy, it’s a personal choice. And indeed, the city has all the facilities, in fun and care, that the countryside misses. This influences our choice. 99,99% of the human population is blindly attracted by the circus of a city unaware of the consequences for the larger picture (and themselves). But who cares? In the city people become invisible due to the masses and very individualized, which is extremely attractive for economies to evolve without any sensitivity or morality.
Religion builds on fear
From a practical point of view the human being is just a physical tube from mouth to anus which is kept alive through insertion of food and elimination of waste. Every human being here is the same. Life is “a miracle” and we depend of external resources through competition and growth, or money.
We fear death while religious leaders claim to have mastered the essence of life by their proximity to “the Source”. They can use the fear of people to manipulate through promises or elimination of fear and sense of guilt.
In essence the moral and ethical discussion is enhanced by the religious dogmas that provide answers through story telling, paraphrasing and metaphors. Material poverty and lack of education is often misused to indoctrinate people around certain beliefs and behavior. This has two sides of a story of course. It gives people something to hold on to in desperate situations when they cannot trust themselves anymore due to lack of opportunity and help. A miracle and the existence of a helpful parallel world is something to keep them going. The other side of the medal is that structures misuse the innocence of people to manipulate them for a particular cause that is against all principles of life, such as causing death in the name of belief. The latter is shear competition between human powers that need a market to keep their position executed by blind ignorance. But…isn’t working for money in a polluting multinational exactly the same?
Religion is the dogmatic interpretation of spirituality. From a spiritual point of view this human physical mouth/anus tube evolved and became uniquely alive by the complex harmonic interaction of billions of molecules and a universe of microscopic species, all uniquely programmed through billions of years of evolution of life. Every human being here is unique. Life is a universal reality and to live we depend on our inner harmony through love and building relationships with our surroundings. We ARE the mirror image of the universe.
The universe has laws of its own that no human being can claim but we can understand and live accordingly. This however requires open education and awareness. As long as the fast majority of the world’s population is uneducated, education is being manipulated, and people remain unaware through ignorance building cultures, we face the destructive hierarchies that we call “conspiracies”.
We unknowingly fool ourselves but what is the solution?
From the above we can deduct that we ourselves are the basis of every conspiracy. Ignorance, unawareness and blind individualism, combined with the difficulties to get what we need on a daily basis, becomes a logical melting pot of politics, finance and religious structures that use humankind as if they were serving. When we become aware of a “conspiracy” it is a sign of waking up.
Waking up is not at all that pleasant because it introduces the responsibility of self awareness. What to do about this? Leaving the conspiracies eliminates the benefits too. Maintaining them makes us accomplice of the larger consequences. We get in touch with our own moral awareness and start behaving accordingly, making different choices then before.
The problem we face is that all the above happens within the confinement of human nature. We use our surroundings to fulfill those needs and those high level manipulators now face the powerful manipulation back from the unexpected “mother nature”. Suddenly we are surprised by natural disasters, climate changes, lack of resources, human made disasters, effects of pollution, etc. The manipulators are face to face with their own consequences. They have been selling wellness to the masses for money. Now they cannot comply anymore and have no one else to blame but themselves. There is a call again for human ingenuity and integrity instead of ignorance to solve the sum of all issues that threaten humankind and with it, all the manipulative basics of the powers in place.
The general public is waking up, shaken by the visibility of the consequences and the open reflection through internet and visualization through the media. Local solutions need to be found that cannot be solved by money anymore because they are caused by the culture that money created. We need to go to the essence of our existence and learn to understand life. This has to do with education, awareness and willingness to look for alternative structures of cooperation and sharing responsibilities. The old human made system is crumbling because of the ignorance of the system’s leaders, the robotics they created and the damage that the consequences cause.
Humankind is waking up all together as a species and sees how much work is ahead to save our selves. When we wake up we realize that the conspiracy against humankind was our own blindness, the wake up call then gets us away from those forces into the challenge of doing something about it. But what? That determines the explosion of human creativity. Ignorance is not anymore with the public that is being manipulated, it is with the systems leaders that stand solutions in the way with the monstrous systems they try to keep in place. All around the world we see people overcoming these obstacles to start experimenting with new formats, insights and solutions.
We call some of them Sustainocrats, or game-changers. Time has come for those people to unite and share experiences or best practice to expand the movement throughout the world. Maybe in the future people will call this again a new conspiracy but that will only be a sign of a new level of awakening into awareness and consciousness. For now we need to open up to new realities that include the powers of nature that now affect us and call for action through wisdom, respect and evolutionary pressure proper of life itself.
Just imagine a baker in a village of 100 people. Every day he bakes 100 loafs of bread that he sells to the villagers for 1 euro per bread. Every one is happy, every villager has bread to eat every day and the bakery has an economic situation of 100.
For some reason one day there is a shortage of wheat and the bakery cannot make 100 breads, he makes only 80. Due to the wheat shortage the cost price went up and the baker had to sell his bread for 1,50 euro. People were not happy but paid the difference. 20 of them came late and were left without bread. The baker did not really care. His turnover had gone up to 120. The wheat shortage continued. The local population reacted by purchasing half a bread instead of one whole. They had become conscious of the shortages of wheat and realized that they could perfectly well survive with half a loaf since they had been throwing away part of the other loafs anyway. They called their social responsibility “sustainability” but the bakery was not happy at all. He had sold 100 halfs at 75 cents = 75 euro. His economy had dropped despite the rise of the price and he had to throw 30 unsold breads away. Thinking that the market had reduced he decided to stimulate the market again with some marketing and kept the reduction of his production due to the wheat shortage. Due to the marketing costs he had to increase the price a bit more, to 2 euro.
Half the people bought half’s and half bought whole breads. So 50 halves against 1 euro = 50 euro and 50 whole breads against 2 euros = 100 euro. The baker was happy. Marketing works he said. His turnover had grown to 150 euros, double the previous sales! And he only had to throw 5 breads away this time. Market working they call that in economics, and all the consumers had something to eat.
The world market of wheat was struggling further and he had to compete to get his resources. The energy costs were rising too so he ended up reducing his average production to 50 breads against a sales price of 5 euros. Some angry people were buying bread by the slice now and some could not afford bread at all anymore. The 20 richest people of the village did not want to reduce their consumption and offered 8 euro per bread. The baker loved this deal and sold all his bread every day now with a turnover of 20 x 8 euro = 160 euro for the rich people and 30 x 5 euro = 150 euro for the normal people. The economy of the bakery had grown to 310.
The local village council was worried because a number of people had no bread to eat but happy with the growth economy. They could raise the local tax on bread to help the 50 people that were starving and gave them some social help with money. The baker was making a lot of money after all. Government treasury was doing fine as a consequence too. With all his profit the baker had bought a nice house with a large mortgage. The city council had invested in a bit more bureaucracy to assure that the growth economy was properly taxed and invested. People complained about to increase of the cost of living and blamed the baker. He blamed the increasing costs of wheat, production and marketing. But also the tax pressure. The government hammered on economy of growth to be able to tax more and cover the expenses of the socially needed. Meanwhile poverty and social unrest was rising. People were meeting to see what they could do about it and someone threw a stone through the window of the bakery. The next round of baking the baker could make only 30 breads but the population was already in front of his door claiming the entire production for equal distribution. He had no turnover that day and his bakery was damaged. The rich got no bread that day and were furious. They lobbied with the local government to see if their taxes could properly used and get bread from elsewhere. The baker went broke, couldn’t pay his mortgage anymore so the bank went broke too. The government had no one to tax anymore while the bread market got into the hands of the Chinese. After a period of economic growth the village got into a severe recession and chaos.
This simple, funny but realistic story gives a view that economic growth does not solve anything when resources are running out. The only option left for the villagers would be have been to grow their own wheat to eliminate their dependency on outside forces. But what did they know? If they can’t produce their own they have to find something else to eat. But for all they new everything was fine, the economy was growing after all, wasn’t it? How do we deal with this in the big cities around the world where money rules the systems and the dependencies of the people? How aware are people of the world wide shortages if the only point of measurement is the local supermarket and one’s own cash availability? How aware are governments when the economy of growth, tax and social welfare is their only worry?
Moral of the story: A growing economy does not necessarily get you a daily loaf of bread.
For many decades emancipation has claimed equal rights for women but meanwhile the global cultures have totally defeminised. Even the most emancipated countries have hardly any feminity left in them despite equality among the sexes. This may sound like a contradiction but it is not. Women and men are equal but not at all the same. Cultures that center around money and the material independence of individuals show a systemised masculine culture based on external securities, excessive tooling, competition, hierarchies of power and a lot of individualism. The cultures grow cold, materialistic, authoritive and bureaucratic. Such masculine culture has nothing to do with any discimination of women. Even the women learn to behave with an independent masculine nature in an emancipated way. This excessive masculinity has been caused by our growing dependence on money based structures that have taken all feminine sensitivity out of our human organisation. These masculine cultures, resident in large corporate multinationals, money based democracies and social communism are all in severe crisis. The only solution here is to feminise the cultures again.
What then is a feminine culture?
Connected to the unique ability of women to give birth a feminine culture is based on identity, family warmth and evolutionary long term reasoning around survival, protection, safety, health, stability and quality of life. A femine culture is more holistic, spiritual and emotional than purely rational. In a feminine culture our relationship with our environment makes sense, our self-sufficiency and self-preservation within the mistique of eternal life itself. The morality of our choices become an important measure for our actions, just like equality, respect and trust.
Such feminine culture is not just exercised by women of course, also by men, just like the masculine cultures. It is a way of life, an acceptance of certain values above others that have to do with inner feelings instead of external wealth. The current world is in crisis due to the excessive masculine structures that have gradually eliminated emotions, warms and community feeling. There is no relationship anymore between what we contribute to life and what we get. We have endebted ourselves for values that we have not yet contributed in with our creativity or supportive energy. It is going to be increadibly difficult to get our lifes back to a true reality in which we enjoy prosperity from our personal initiatives. A purely feminine culture will not do the trick either….
Pure masculine societies will always enter a crisis while pure femine societies will never progress. Both mentalities always require to interact to produce sustainable progress as shown in the drawing below. Together they form a Whole….
There is nothing wrong with a masculine organisation as long as it is lined up with a feminine equivalent too. The key of wellness can be found in the warmth and depth of emotions feeding and guiding the rational awareness and organisation. The femininity makes us aware of our relationship with our environment, the need for human interaction and true equality among all people. The masculinity will get us to understand, learn how to organise ourselves and get scientific insight. Together the feminine and masculine nature will interact to apply knowledge with true meaning to human progress in a complex creative manner (not destructive as we suffer now). The feminine culture will avoid the masculinity to grow above sustainable proportion while the masculine drives pull the feminine morality into progressive action and permanent change for new balans.
To achieve this we need to feminise our masculine cultures. The current huge masculine outsized complexities (banks, multinationals, political organisations) will crumble into chaos as the crises do their work, creating room for feminine awareness to develop and take a position in our minds. This process shapes a new future for humanity based on smaller, purpose driven communities that use high level knowledge and technology to progress in a constructive, evolutionary way. The day that this has happened humankind can look back at a brief period in our evolution when we were about to distroy everything and thank our wit and consciousness to have reacted on time, voluntarily or not, to get back to sustainable wellness and progress for all. Men and Women meet again in the garden of Eden called planet Earth with the knowledge and understanding that beauty, abundance, love, eternity and wealth is not found in the apple we take but the tree that we sit under.