Category: Economics

Demystifying the Money Myth: How the Monetary System Devalues Your Wealth

Inflation is a word we hear lots about. Not least of all because every month, the government uses the term to gaslight many of us into believing that because the inflation rate is dropping, we will once again be able to experience a life that everyone can afford.

Unfortunately, it’s a con and for as long as inflation of any kind exists within an economy, prices will continue to rise, and they certainly will not fall.

The way that money works today is an even bigger con. Not least of all because Money doesn’t have any value of its own.

Yet we have been conditioned to believe that everything in life has a monetary or financial value at its essence or core.

Money is a unit of exchange and nothing more.

But we have been led to believe that money or currency is the only thing that has value. And that everything that once had real value, doesn’t have value anymore.

The Money system is corrupt. We live and exist in a Moneyocracy.

This Moneyocracy is controlled by private interests rather than governments (As we have also been deliberately led to believe). And the most rotten part of the whole deal is that those in control of money don’t borrow money or sell anything to make money when there’s a shortage.

They simply press a button or quite literally go through the process of printing more.

Money is quite literally created from nothing.

The Moneyocracy is the closest thing you could have to the whole economic system being one giant game of Monopoly being played with the entire World as a board. With the only difference being that the lives, wellbeing and futures of real people are involved.

The money myth is a problem for anyone who:

  1. Doesn’t understand it, and
  2. Doesn’t have a constant flow of money finding its way to them beyond what they can themselves physically earn

For those who don’t understand The Moneyocracy, money is a problem. Because the creation or printing of money devalues the money that already exists.

So, anyone who relies on their earnings or what they are given every month and doesn’t have assets or property that they themselves fully own, will then find that the value of their money goes down whilst they sleep. Because someone has created more of it.

The ‘ad hoc’ creation or printing of money means that the value of the money available in proportion to property and assets available that accumulate exchangeable value has automatically gone down.

We could easily go down a rabbit hole here, and those who gain from the way that money works would happily push us down one by suggesting that the money system isn’t that simple.

No, the money ‘system’ isn’t simple. And it’s because the money system is deliberately complicated that the unethical behaviour that underpins and drives it can be hidden as easily as it is.

The money in circulation IS devalued every time that the government borrows, banks lend, financiers speculate in some way and the whole system ends up with more.

Let’s look more closely at the detail to see how the creation of money devalues the money that you earn and the money that you already have:

How money Printing effects the money that lower earners and those without property and assets of their own have:

Let’s say that everything that has value which increases such as property, resources, assets etc, always has a fixed value.

We will call these Value Accumulating Goods, Resources and Assets (VAGRA)

For the purposes of this example, we will say that this list doesn’t grow (As we are looking at the role of money and we will look at VAGRA elsewhere)

Let’s say that today, all of the VAGRA available in the World is worth £200.00 and there is also £200.00 in money in circulation that directly corresponds to it.

Of that £200.00 available today, you hold £1.00 of it in your pocket as cash or in your bank account as a digital entry on your online banking app or a monthly bank statement.

At 1am tomorrow morning, the government ‘borrows’ another £100.00 which it will tell us is being used to pay for public services or similar.

Myth Buster 1:

Banks do not lend out money that they have piled up or that they hold for other ‘customers’.

To lend the government this ‘new’ £100.00 means the banks create or print that additional £100.00.

The new or additional £100.00 is then added to the money in circulation so that there is a total of £300.00.– including the £1.00 you possess.

Myth Buster 2:

The value of all the money in circulation today is not tied to anything with real value.

What many don’t realise or see at this point is there was no change to the amount of VAGRA whilst the amount of money in circulation was extended by 50%.

This means that in direct relationship to the VAGRA that exists – which very few of us own, there is now £300.00 that corresponds to it, instead of the £200.00 that was there only today.

In one moment, whilst you were sleeping, the face value of the £1.00 you possess, hasn’t changed. But the true value or purchase power of the £1.00 you possess has dropped by 1/3 (a third).

Meanwhile, the face value of the VAGRA that the few and the elites own has just risen by 50%.

Please Note: Technically speaking, if an economic system was working without constant manipulation, the value of the money in circulation would ‘naturally’ grow as assets and resources are added. However, there would also be ‘natural’ loss, as assets are destroyed, become unusable and are replaced or resources are depleted.

However, FIAT or the money system that we have today, bears no relationship with a system where money or currency directly tied to the ‘real value’ in ‘the system’. That’s why it was always destined to hurt some and not others by being out of balance and why it was always going to go wrong.

The impact of ‘new’ money that isn’t linked to existing ‘Value’

The additional money that is created from nothing has knock on effects in many ways.

Not least of all because every financial transaction where goods, property and assets are concerned is pushed up. Before the next part of a very big problem begins to unfold.

Myth Buster 3:

Businesses now charge more than they need to, to increase their profits. Not because they have to. But because they can.

Yes, businesses of all kinds really do believe that it’s ok just to push prices up and use the news and narratives that politicians survive on to justify price rises that very few of us can actually afford.

The BIG problem is that this process of profiteering is also accumulative and with everyone in unnecessarily long supply chains adding more to already artificially inflated prices, the real cost of everything is significantly less than any end customer is required to pay.

Prices rise. That means the government and everyone else needs to print more Money, with the net gain or benefit from all that printing going to the same few and the elites who own everything.

Worse still, these are the same people who are charging all of us massive amounts of interest for mortgages, credit cards and other forms of borrowing money that they didn’t even posses in the first place. Before they pressed a button or switched a printer on and then gave it to us in the form of a loan.

The Truth IS Stranger than Fiction

The whole situation seems incredible and hard to believe. Because money does appear to buy things when we use it.

However, many regrettably still believe that governments, big businesses, banks, financiers and the people who own or influence them can be trusted to do the right thing for everyone. Rather than doing the right thing just for them.

Myth Buster 4:

Money flows to those who control it. Money flows to the top.

We have a hierarchical or top-down power structure. Fueled by the way that money is used to manipulate everything.

Money is at the heart of everything that is wrong with the way that the World works today.

Our Ignorance is Their Power

The biggest problem we have is that so many of us don’t understand how money really works.

To a certain degree, our governing and political classes also don’t understand how money works.

Where they do, they have completely lost sight of what printing or creating money means for those who don’t have a lot of it.

Because printing money it is an easy way for politicians to appear to solve problems, and when it comes to winning elections – to make it sound like they are doing good.

When politicians being seen to be doing good means more and more of us are having an experience which is very bad, it should be clear that the system is broken, is unsustainable and is getting nearer and nearer to a complete collapse.

In Our Local Future, People are the ONLY Economic Capital

We recognise that People, Community and The Environment are far more important than profit, power and influence for the few.

Money is a tool. Not a reason.

People, Community and The Environment are the reason that creates an incalculable number of benefits across every part of life.

Because an economy can only be Fair, Balanced and Just, when it is unwaveringly focused on doing the right thing.

Prosperity in today’s world only lasts until the very moment that it doesn’t. And by then, it’s too late

Very few realise it. Even fewer are prepared to talk about it. But the financial and monetary system that we currently have can only exist as it does, making some extremely rich, at the cost of many becoming increasingly poor or poorer.

Because of the way the FIAT monetary system is constructed, it is necessarily skewed to benefit those who control and play the system.

FIAT can only continue to function as long as the rules that hurt everybody who is outside of the game continue to be punished more and more.

Because FIAT and all the systems that are built around it have disparity at their very core.

The System literally survives and can only survive on the basis of the Wealth Inequality that today grows exponentially between rich and poor.

Clever as FIAT is for those who control it, the system was always destined to fail. It was never a question of if, only the question of when.

The only question that troubles today’s world elites is ‘What comes next?’

With AI set to put millions of people out of work for no better reason than more profit being made for those who own and control the systems and the industries behind it, the masses have yet to awaken to the reality that using technology and Artificial Intelligence in this way is not progress. Neither is it necessary.

The AI-takeover that is today being delivered through narratives, even before it has fully arrived, is a change that can only lead to challenges across society that those who are set to benefit believe that they will be insulated from and that they will have no responsibility to bear.

If you consider yourself to be living in the real world today, can you really picture the situation where there is perhaps just a handful of people on the planet, and that they can continue to enjoy the kind of luxury and wealth in material form that they have today and that they aspire to maintain, without the millions and perhaps billions of other people on the planet who made that whole scenario viable?

Despite even this rather uncomfortable truth, the most challenging reality that we face, as we try to open the doors to change and imagine a world that puts people at the heart of everything as it should, is that the world of today embraces an unwritten cultural acceptance that For some to be rich, many more must to be poor.

So successful has the process that brought us here been that those at the top of this twisted tree of upwardly flowing benefit, have turned their back on everyone at the bottom that this corrupt system has left behind.

They now imagine that a new world can be engineered and deliberately be brought into being where those with wealth and power have no responsibility for the poor.

This is where we are today.

Regrettably, those who are doing so well out of the increasing misery of so many others today really do believe that the future need only be good and that freedom in its real sense need only exist for the few.

It is why so much of the technology that we now have available under such direction is such a massive threat to humanity. Rather being the tool for The Common Good to support us all in our search for better lives which it would be. IF the fervent greed and obsession with profit at all costs that now drives all tech development including AI we’re to be left behind.

We recognise that people, community and the environment must be at the centre of everything.

That money must be returned to being used only for the purpose of being an exchange mechanism and tool for life that it was always supposed to be.

A future that works for us all doesn’t allow a cultural system to exist where we believe that even human existence itself can only be calculated in monetary forms.

Money cannot and will not be the only way that we can trade.

The real value that underpins economics and economies at all levels in the future will be based upon the people and the contributions they make within it.

We foresee a Local Market Exchange coming to be which flourishes around the local economy and where goods, services and labour itself can be traded and bartered directly for others goods, services and labour, as well as locally derived and managed cash based and blockchain supported currencies can also be used.

Money, nor currency of any kind will be speculated or gambled as today. As this is where the majority of social problems effecting so many across the world have most often found their true origin and cause.

Above everything, we recognise it as essential that the lowest paid can sustain themselves fully and independently on a weekly wage.

To achieve and maintain a society where everyone has the ability to self-sustain, it is also necessary that the entire system of business, finance and governance must prioritise this and only this, instead of profit for the few as has up until know been the only acknowledged way.

We have called it The Basic Living Standard.

Today, Money is a rigged game with a real-life cheat code that is  part of the Moneyocracy that we are all currently enslaved to. And if we all want to experience a much better kind of life, there is much that we need to consider and a great amount that is hurting us all, that we must leave behind.

If you feel ready to visualise what a better world would look like, and reflect on what that means for us all, please follow the link to explore Our Local Future, which you will find immediately below.

Click HERE to go to the Site Map for Our Local Future

Our Future IS Local

Hi Everyone,

I’ve just published another free-to-read version of a booklet that I have put together as a website that you will find at www.ourlocalfuture.com

Our Local Future is available as a Kindle Book too, and runs through the key changes to the way society functions that would make everything work much better for everyone and create a happy, healthy, safe and secure environment for us all.

I’ve written this latest Book, because I’m fed up of listening to everyone who knows this or knows that, wasting valuable time arguing that only they know the next steps we, as a culture and society should take, to put everything right.

People who should really know better are focused only on the journey and who controls it. Instead of considering the destination and what the outcomes will be that solve all our problems and create a world and culture where Balance, Fairness and Justice can be experienced by all.

Meanwhile, the constant debates over who or what is to blame; whether problems like climate change and the need for Foodbanks are real; or who is right vs who is wrong are just making everything that’s already wrong exponentially worse.

More often than not, these ‘blockers’ who let their egos get in the way, are the very same people who hear a new idea or proposal and immediately say ‘It won’t work’. Usually, because they only want change for everyone else, IF they can be certain that they will gain in some way, or at the very least don’t believe that they could lose.

Change is no longer a choice. It’s happening around all of us right now. And the difficulties we face are going to get worse before there’s any chance that things will get better.

The unspoken truth or secret ingredient that we all have to accept is that by embracing change that will help to make sure everyone has the best experience of life that they can, we will all end up with a system of governance and way of life that works in every good way that we could possibly wish for ourselves.

Best Wishes, Adam

Is Poverty invisible to those who don’t experience it?

The fact those with power and influence don’t understand what Poverty really is makes the ‘solutions’ they come up with potentially more harmful to those in need, rather than making the genuine difference that so many who have been left behind now need.

As someone who experienced poverty as a child, a research project for a Postgraduate Course project in late 2023 enabled Adam to compare the realities of living in Poverty in the UK today, to the experiences from the 70’s and 80’s that were his own.

In his own words, ‘The experience was sobering’ and the brief paper he wrote for assessment based on his question ‘Is Poverty invisible to those who don’t experience it’ is contained within this short Book.

Today, Adam often states: “You have to experience or be touched by Poverty to understand it.”

Will you agree?

Is Poverty Invisible PDF_vers_1_Oct24Download

Universal Basic Income won’t genuinely help anyone, least of all our Farmers

There’s no such thing as a free lunch. So, when it comes to giving away money, anyone who thinks that a Universal Basic Income is going to help anyone and in particular our farmers, either has an agenda they aren’t sharing, or they don’t have any real understanding of the true cost of making UBI work.

UBI is certainly well intended. A lot of research and thinking has gone into the trials and projects where a localised equivalent of a guaranteed basic income has been tried.

The problem is UBI is a solution that uses the creation or printing of money to enable it to work.

Money creation or printing is an essential part of the FIAT monetary system that we have today. The same system that is the root cause of all the money related and inflationary problems that we and our farmers are facing.

It is ironic that giving cash handouts to farmers would only build upon the culture of dependency that now exists, where the conditioned over reliance on subsidies and guaranteed contracts have made farmers vulnerable to the greed underpinning big money and profiteering retailers. Corporate interests that are not only taking all the profit that would be available from the food chain if it were accurately priced, but they are also using their market positions to inflate prices even further so that they can continue to take even more, without giving a damn about the impact and consequences for us all.

Minded that every one of us needs food every day in pretty much the same way that we need water and the air that we breathe, it defies sense or logic that British Farmers should be in a situation where they cannot have a secure, financially sound and fair-income-paying business, in return for providing a service which really should be considered a public good.

That farmers cannot survive and there are now organisations suggesting that UBI is the answer makes very clear that the working model or operational platform for British Agriculture is broken.

This reality  is all the more alarming given the fact that in a time of growing world crisis, we only grow the equivalent of around 52% of our own food in the U.K.

Regrettably, the farming problem isn’t one that good politicians would be able to fix in isolation. Because the issues farmers are facing are interconnected with many other areas of public policy that are breaking down today. All for no bigger reason than we have now had decades of politicians and the political parties they represent that have become increasingly poor.

If good politicians were representing us all as they should be today, the focus on farming would be to use legislation to immediately end the profiteering, price manipulation and speculation taking place that keeps taking money from the food chain without adding any form of value.

The next step would likely be to provide financial support and other legislation to help farmers transform food production and the pathway to retail to a system which is a contemporary version of what we had historically, where food was produced and consumed locally and in much more original, unprocessed and therefore healthier forms.

However, we don’t have good politicians and when the eagerly anticipated General Election comes, we will not have the option of good politicians to choose from even then.

This leaves farmers with a very difficult choice. To remain at the mercy of poor politicians who say lots but do very little. Or step back from conformity with the current broken system, take the risk of funding change themselves and then taking the lead and working closely with consumers who are the other key stakeholders in the food chain, so that food security, healthy nutritious food, and viable food producing businesses supplying every one of our local communities are brought back.