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Lender-less borrowing – the end of banks

There is no reason to have a lender when you borrow money, you can just borrow from yourself at zero interest. How is this possible? Our view of money and debt has changed significantly in the last 12 years since the GFC. We used to think banks took our deposits of government printed cash and lent them out to borrowers. …

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Fixing the world

Modern Monetary Theory: democratising money Universal Income: Empowering real people Trustless decentralised bureaucracy: decreasing the labour and difficulty in doing simple tasks, and eliminating nepotism. Liquid democratic organisations: Real democracy for shared resources and infrastructure including healthcare Automate: Its still cheaper to exploit cheap workers than to automate, we need to automate all labour and increase leisure and contemplation. If …

Fluid Democratia – decentralised society

Abstract Fluid Democratia is a fully integrated decentralised socio/economic system based on a decentralised ledger. It incorporates a new currency, universal income, P2P lending, currency exchange, Land registry, and liquid democratic resources and infrastructure management. The purpose is to create a parallel system to the current  hierarchical organisational structure. The aim is true freedom with sustainable prosperity.  Unlike other distributed …

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Why am I self aware?

Why am I self aware? I ask why, like a child asking why can’t I fly Daddy. And like Daddy I cannot answer the why question but can describe quickly and easily how a bird flies, how a plane flies, and that a human does not have the apparatus to fly. I can ask why? The oddest question ever, it …

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Mind, community, universality – three modes, one whole

My recent book Fluidity – the way to true Demokratia outlines a way to make a more inclusive and empowered society. But what is this idea of Fluidity? I want to tell you a little about how the idea of Fluidity was born in my mind, for it is a product of my mind, I don’t deny this nor brag …

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Leisure not work is our true calling – Betrand Russell in Praise of Idleness

Not long ago leisure was held in greater esteem than work. Aristotle, Thomas Aquinas, De Tocqueville and more recently Barry Jones all saw work as a necessary toil but something to be avoided, it was leisure not work that lead to great insights, true understanding and wisdom. From the quiet contemplation of one’s surrounding, the passive absorption of reality mixed with our …

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Is giving a gift more morally decent than contracting an exchange?

I ask this question in part because of my recent experience with crowd funding, the idea behind crowd funding is to support some ones idea, project, or invention by giving them some money. They may promise to give a gift in return but there is no contractual agreement to provide a product or service in return for the financial contribution. The …

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Why the rich get richer and the poor poorer

Luck determines the winners and losers of society, not merit or hard work. Those that start out with more get more, and those that start with little often fall through the gaps.   Inequality is not only caused by the human inventions of rent, profit and interest but also by a quirk of the economic system which means that if …

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Fluid writing

Lets just imagine I want to create a new style of writing one without the old syntax and apostrophes but rather to just have a stream of words and then possibly a directional indicator to tell people when I have started a new or similar stream and then another when I have gone back to my original point or rambling …