The Impossibility of Money

It should be clear by now that our current monetary systems are failing us, or at least the vast majority of us. It has reached the point for me, personally, where I am questioning the very existence of currency, let alone how it behaves. As long as we accept the contemporary and historical paradigm, we are unlikely to generate positive change (and I’m not talking about coins).

I can’t get over the irony that money is called “currency,” evoking the word “current,” as in something that flows. That is not what happens in our economies. Currency gets backed up behind the dam(n) of capitalism, hoarded by a tiny minority.

Cryptocurrency was, to me, an off-putting concept from the beginning, but I only recently figured out why. While the idea of alternative forms of transactions is attractive, this is not the answer, for many reasons.

The currency of my livelihood is words, so I am disappointed in myself for not immediately recognizing the obvious. “Crypto” is Greek for “hidden,” as in cryptozoology, the study of sasquatch, the Loch Ness Monster, and related legends. Fascinating, but there is not widespread subscription to the idea, kind of like cryptocurrency. The last thing we need for our economy is more hidden currency. We already have offshore bank accounts and other tax havens. We need total transparency in matters of money.

The energy demands for running blockchain are another reason for concern. The server farms consume massive amounts of electricity for their operation. The same can be said for generative AI (Artificial Intelligence), and data mining, too. Such large server farms are also incredibly loud, running twenty-four hours, seven days a week, generating noise complaints along with Bitcoin.

Beyond the energy-intensive aspect, cryptocurrency has other shortcomings. It has yet to be widely accepted by retail businesses. It requires technology that is still inaccessible to many, by choice or by reliability of internet service providers. Don’t get me started on NFTs (Non-fungible Tokens). Lastly, there is understandable consumer skepticism over crypto’s validity, valuation, and sustainability.

The most attractive attribute of cryptocurrency might be the perception that it is somehow subversive, a way of undermining conventional capitalist models. It’s complex nature and dependence on technology ensure that it will likely remain the domain of a different, tech-savvy minority. Perhaps it is the “snob appeal” I am mistaking for subversion.

A truly viable alternative currency will have to come from the bottom up, designed for communities of all levels, from local to global. As it stands now, we have currency of an arbitrary value, determined by a select minority, and that is demonstrably unsustainable, at least in the environmental sense. There exists a different model that might serve as a template.

The currency of the natural world is energy. It has an absolute, invariable value. Can energy be hoarded? Not permanently, and certainly not generationally. Various organisms are able to store energy to use during hibernation, metamorphosis, and other stressful processes and circumstances. Otherwise, energy cycles freely, allowing the proper functioning of ecosystem transactions.

The challenge of emulating a natural model is to do so without the attendant predatory and parasitic forms of energy exchange. We have that in spades in the capitalist model, and the trend is toward exacerbating that pattern rather than nullifying it.

The true revolution in currency will have to be organic. The leadership for it will probably come from Indigenous peoples, provided we allow that, and can forge alliances with labor and consumer unions. Existing models for localized currencies might help inform such a movement. Promoting interest in, and subscription to, credit unions and cooperative businesses will only enhance the effort.

The incentives for promoting blockchain tech are still profit-driven, as opposed to even trying to balance the common good. I think I have more faith in the imagination of artists to take us in a positive direction here. Pair that brand of creativity with economic and social justice disciplines, and we might be able to get something truly equitable. Finally.

The Personal Finance Emergency Room

© saintlukeskc.org

The state of healthcare, or lack thereof, in the United States is exemplary the overall pattern of capitalist predation and oppression that causes undue financial and emotional stress. A recent experience with an emergency room visit prompts me to probe the connections once again.

While visiting family out of state for the holidays in December, my partner experienced prolonged numbness in her hand. This was not an “I slept wrong” issue that resolves itself within an hour or so of waking up. Given Heidi’s history of a mild stroke, we take symptoms like this seriously.

My sister-in-law’s family lives in a rural town, so we drove an hour to one of the few open urgent care clinics. Upon describing the issue and her medical history, the intake person declared that urgent care is not equipped to evaluate such situations, and referred us to the nearby hospital.

I will be generous and say that our time with a physician lasted fifteen minutes. The doctor asked questions, even got out of their chair to do a brief, standard protocol to rule out another stroke. They ventured that it was not a stroke, but without imaging, could not rule it out entirely. We declined additional procedures. The next half hour was devoted to the paperwork exit interview.

Fast forward to this week. The bill is over $2,400. We have health insurance. Despite this, we are left with a payment exceeding half of that amount. Yes, there is the “deductible,” and we are fortunate in being able to absorb that shock to our finances. Most people cannot, but even for those that share our circumstance, the ripple effect is profound.

Misery is simply another commodity, publicly traded under other identities.

When faced with a large, unexpected, unavoidable expenditure, be it for a medical bill, vehicle repair, needed plumbing upgrades, or some other catastrophe (all of the scenarios I listed are ones we have experienced in the last few months), my mind goes to what we must now sacrifice. There goes that vacation. Charitable donations? Off the table now. Membership in that organization? Nope. Meals out are less frequent.

It is no wonder that the average American’s bank account is always in the emergency room. It may not be a government conspiracy responsible for that condition, but certain business models literally profit from it. You did not get yourself into this mess.

We need an ‘unsubscribe’ button, and do not have to name an alternative to reject the current system.

The American oligarchy existed long before any of us were born, but its influence has intensified, and become vastly more complicated in its ways of appeasing the masses without truly solving any of the problems that exist because of….oligarchy. Government is complicit, at least at the level rendered by the ability of the oligarchy to appease politicians it helps get elected. Even supposedly well-meaning crusades like the “war on drugs” are waged not because of sympathy for addicts, but because cartels are making money that the oligarchy covets.

In the world of capitalism, everything must be privatized, and for profit. Only the consumer has value. Labor is an overhead cost, to be outsourced, or automated, at every opportunity. How to foster consumerism, then? Credit, and other forms of lending, which the oligarchy profits from by charging interest. Debt is not figured in the calculation of poverty levels, so the illusion of a middle class persists.

Our economic system has even turned our collective stress and anxiety into for-profit enterprise, from pharmaceuticals to sports betting. Misery is simply another commodity, publicly traded under other identities. We are in an abusive relationship with corporate-level business, on both the production side and the consumer end. We need an “unsubscribe” button, and do not have to name an alternative to reject the current system.

Instead of capitulating to the script that says Blacks and other minorities are threats to our safety and security, that immigrants are taking our jobs, and welfare is being exploited by the poor, we can seek ways of disconnecting our lives from global capitalism. We can expose the culture wars for what they are: distractions from the oligarchy that is taking power and control away from us.

We do not have to quit capitalism cold turkey. Do it incrementally. Engage in positive distractions, like arts and crafts. Go out into nature, like I do, and observe other organisms as examples of a basic, but vivid and satisfying existence. Participate in community commerce. Make friends with local farmers, and school teachers. Help them prosper. You will feel better daily.

Why Low Wages in the U.S. Are "Acceptable"

© Getty Images/iStockphoto

I spend a good deal of time thinking about our American economic system, and how it abuses labor, consumers, and the environment. There has, in my opinion, been an elaborate orchestration of the illusion of wage fairness that has helped pacify what should be an outraged labor force. The entire idea of a “Middle Class” is, in fact, an illusion. Allow me to outline first why a minimum wage that no longer keeps up with the cost of living has endured for so long.

Ways in Which Labor is Encouraged to Augment Low Wages

The corporate world has dictated how the labor force is allowed to make up for low wages. We are led to believe that it is our responsibility to make up the deficit in earning a livable income by....

1. Taking a second job (or third). As fewer and fewer jobs exist with full-time hours, the need to secure a second job is becoming the standard for more and more workers. Even full-time jobs may not pay enough to cover rent, food, utilities, and other necessities, so workers end up taking at least a part-time job to supplement the full-time job.
   
2. Side Hustle. Labor is encouraged to monetize activities that they may otherwise consider hobbies. Platforms like Etsy and e-bay are examples of this, but also blog platforms like Medium, and video outlets like YouTube. These are all still largely corporate marketplaces, and subject to the same problems as other corporate entities. Uber, Lyft, and other transportation services, including delivery of food and merchandise, is another form of the side hustle, and they carry added risks to personal safety. In all cases, such endeavors tend to take the fun out of pursuits that one once found pleasurable.
   
3. Borrowing. This broad category includes credit cards, lines of credit, conventional loans, mortgages, and other forms of lending through banks, plus loans from family and friends. This naturally produces debt that is rarely paid off in a timely fashion, and the borrower actually loses money in the long run thanks to interest, fees, and other attached expenses.
   
4. Lotteries, legalized gambling. National and state lotteries have become commonplace, and there is now widespread legalized sports betting. Most states also have casinos, often on Indigenous reservations or "offshore" on rivers. Once again, odds are stacked against patrons of those enterprises. Enough low-level prize money is made available, with enough regularity, to keep gamblers coming back for more. It can become an addiction that necessitates borrowing again, sometimes from ruthless sources.
   
5. Civil Litigation. Have you noticed how many law firms advertise these days? The implication is that through lawsuits, an individual can recoup what they believe they are already entitled to. It is classic displacement. Your wrath over low wages or salary at your job is taken out on a third party when circumstances such as traffic accidents or malpractice on the part of physicians or hospitals present themselves. Guess who is footing the bill for those prime time television advertisements. The expense and emotional stress of litigation is seldom worth the trial, or even the settlement. It is also an enterprise ripe for corruption itself by unscrupulous attorneys.
   
6. Government Assistance. Low-level employees at many corporations still qualify for government assistance in the form of foodstamps, Medicaid, the Child Care Credit, and related programs. Because there is still a social stigma attached to receiving government benefits prior to retirement age, there is reluctance to avail oneself to those avenues of income.
   
7. Crowdfunding. Social fundraising has become a popular go-to for individuals facing tragedy or trauma, to cover the expenses of medical, veterinary, or repair and reconstruction emergencies. Platforms like Kickstarter can also help someone launch their own business, or creative project, in the hopes of abandoning their dependence on corporate wages over which they have no control. Again, there exists some social stigma over the idea that individuals are self-indulgent and/or "needy."
   
8. Pawning, garage sales. Selling one's existing possessions is a socially-acceptable way of generating money, albeit precious little. The assumption is that you are making a sacrifice, something laudible, and also providing other people with items that they need or desire. Pawning something of sentimental value, on the other hand, like a wedding ring, may signal that you assign little true value to the object, and thus the person or institution it represents.
   
9. Service gigs. What was once the domain of child and teenage money-making opportunities is now being undertaken by people of all ages. Lawn-mowing. Snow shoveling. Running errands. The classic lemonade stand. All are acceptable enterprises because customers are receiving a product or service. The supposition is that you are also teaching your children lessons in economics, either by example, or by encouraging your children to contribute to family income.
   
10. Illegal activities. There are some enterprises that are expressly unlawful, but for which enforcement is lax or applied prejudicially. Selling illicit substances, engaging in prostitution, participating in illegal gambling, and other criminal activity is risky, but potentially highly lucrative. Besides the obvious legal downside, there is extreme risk of physical and emotional abuse. The idea that these pursuits are encouraged would be laughable were it not for the example of decriminalizing marijuana. Can decriminalization of other activities be far behind?

All of the above ways of earning supplemental income are frought with uncertainties, and expenses, if only in terms of taxes. There is frequently great emotional and physical stress involved. Many of these include a social cost where you are subject to incorrect assumptions over your work ethic, morality, or other aspects of your persona. You deserve better.

You are more than your credit score. The normality of borrowing has turned the "Middle Class" into the Debt Class. It is no accident that debt liability is not figured into poverty statistics. If that were so, the veil would finally be lifted and we would see the Emperor indeed has no clothes. Corporations would at last be exposed as the greedy organizations we all know they are, but cannot otherwise prove. Only corporate executives and majority shareholders matter. Capital is not "scarce" as we are told, it is being hoarded. That this is in any way legal is reprehensible.

What is the solution? Until Universal Basic Income and reparations are the order of the day, cancel, as much as humanly possible, your subscription to this corporate economic model. It is, arguably, nearly impossible to do so, but we have to try. The irony that I am writing this post on a platform owned by a monolithic digital tech entity (Google) does not escape me. Still, I buy little beyond food, utilities, communication devices, and fuel. We are fortunate to be privileged by a modest inheritance from my late father that allows us to live debt free for now, but that does not mean we feel safe from financial ruin. More on that in another post.

The Changing Conversation Around Invasive Species

Recently, the debate about invasive species has become more polarized than ever, with a degree of defensiveness and anger not seen previously. The reasons for this are many, some difficult to admit to.

Chinese Clematis may be invasive, but it deserves a less bigoted name.

I attended a webinar a few weeks ago in which the presenter asserted that “invasive species” is a “militarized term.” My instinctive reaction was that this was accusatory, bordering on defamation of science, when there is clear evidence that the introduction of a species to a new ecosystem can have devastating consequences.

Spongy Moth is still a bonafide forest pest, but now has a more appropriate moniker.

Pondering his comment further, it occurred to me that most of the animals, and plants, we label as invasive have some sort of obvious and negative economic impact. We have, as a consumer culture, become conditioned to frame everything in terms of business and monetary interests rather than ecological concerns. This has become more complicated by angst over climate change, and the resulting vulnerability of humanity to emerging threats, be they viruses or “murder hornets.”

© Yasunori Koide and Wikimedia Commons. Asian Giant Hornet only "murders" in the beehive, but is a serious threat to apiculture because of that proclivity.

The sudden, and/or overwhelming appearance of a novel organism is going to cause alarm, and the public seldom has comprehensive, appropriate knowledge for interpretation of potential impacts. We are at the mercy of what news outlets tell us. Because traditional print, radio, and television media now compete with social media, sensationalism is the order of the day. “Click bait” banners prevail over more accurate but less provocative headlines.

© Kim Fleming and Bugguide.net. Joro Spider, Trichonephila clavata, is not currently considered invasive.

Initial forecasts can also be premature. The jury is still out on whether some recently-introduced species will become problematic. They may not. The Joro Spider is a case in point. It is locally abundant in some parts of the southeast U.S., but whether this translates to a displacement of native spiders remains an unanswered question.

We collectively have a fascination with heroes and villains, too, and there are no more menacing villains than alien-looking insects, spiders, and other arthropods. Fantasy melds with reality and it becomes difficult to separate the two if you are not scientifically literate, or have a business model that demands public hatred of a particular creature.

© USDA ARS, public domain. Spotted Lanternfly, Lycorma delicatula, adult and nymphs. This species is a potential agricultural pest of serious magnitude.

In opposition to nativism is the idea that there is no such thing as invasive species. After all, man is part of nature, and therefore our actions are natural processes. The outcomes of those activities are circumstances to which we, and other species, will adapt.

It may be no coincidence that a backlash against the idea of invasive species is more evident now that we are recognizing, and attempting to mitigate, a history of colonialism. A convincing argument could be made that White settlers are the original invasive species. Here, in North America, we annihilated and displaced Indigenous members of our own species. We enslaved others. To this day we continue missionary work and other forms of colonialism. Therefore, the idea of invasive species becomes one of self-loathing, certainly an eventual threat to White supremacy and privilege. White people do not want to see themselves as villains.

Meanwhile, we demonize human immigrants and refugees as criminals and threats to domestic labor pools. We clamor for the closure of borders to our fellow humans, but allow our boundaries to be permeated by everything else. Not that human-imposed boundaries reflect natural ones.

The Cross Orbweaver, Araneus diadematus, is an example of a naturalized arachnid in North America.

Scientists have an uphill battle in resolving these opposing perspectives and initiating constructive dialogue. Looking to the past we see how some species from foreign lands have become “naturalized” over time, becoming innocuous additions to our flora and fauna. The average citizen may be shocked to learn that dandelions are not native to the U.S. They have become a fixture in our lawnscapes, even if we are instructed to use weed-killers against them.

Myrtle Spurge, aka "Donkeytail," Euphorbia myrsinites, is classified as a noxious weed in some jurisdictions, but not everywhere.

What is lost in all of this is attribution of the modern problem of invasive species to global consumer culture. Historically, human colonists brought other species with them as a guarantee of food and other necessary resources when venturing into unknown territory. Soon after, those species and their products became valuable in trade, a way to establish meaningful and positive relationships with Indigenous peoples, or other settlers. The pace of travel was slow, and the scale of enterprise miniscule compared to twenty-first century business.

Today, we mostly covet plants and animals of far-off lands. Plants, especially, can harbor potential insect pests. Thecontainers used to transport international commerce are frequently occupied by insects, rodents, and other organisms. We seldom make that connection between our consumer habits and the state of ecosystems around the world.

Captive Reticulated Python. Release of unwanted Burmese Pythons into the Everglades by irresponsible pet owners has been....problematic.

We cannot turn the clock back, but we should make more informed and conscientious individual choices in the marketplace. We should promote the welfare of Indigenous peoples, and actively seek their counsel and leadership in crafting a world better able to withstand climate change. A permanent end to colonialism would not be a bad thing, either.

Children Are the Corn

It is the month of Halloween, and a perfect time to confront horrors both real and imagined. The most insidious of threats, however, are those we are blissfully unaware of, or don't perceive as dangerous. Such is the case for the marketplace. We do not spend nearly enough conscious attention to the corporate landscape we navigate daily, and it is at our peril.

In 1984, the horror film Children of the Corn was released, loosely based on a short story by Stephen King. The plot of the film revolved around the children of a ficticious rural U.S. town where the children formed a cult that demanded the ritual saccrifice of adults to ensure a successful corn harvest. The film spawned several sequels and has a cult following of its own. Cut to the reality of today, and I would argue that children are the corn of the global marketplace. Allow me to explain.

Parents who attempt to control the exposure of their children to television, the internet, and other forms of commercial entertainment are fighting an uphill battle against the influence of corporations. Kids will still be vulnerable to persuasion by their peers, social media influencers, billboards, and all manner of other corporate vehicles. Children are the next "crop" of consumers in the corporate economy, fed on the "fertilzer" of advertising and marketing campaigns. This is the real fear of corporations over falling birthrates: not the labor shortage they purport to have anxiety about, but a potential consumer shortage. If a labor shortage were a genuine concern, companies would not be outsourcing jobs overseas. They would be paying a living wage and offering a healthy benefits package to entice more workers into applying for jobs.

Children and adults alike are relentlessly conditioned to frame the solutions to everyday irritations as either "product" or "service." Spilled food and beverages require special chemical cleaners. Insects and spiders in and around the home require "exterminators," or the more politically correct "pest control operators," regardless of whether the creatures in question pose any danger at all. What are we supposed to never do? Change our mindset. Frame things differently. Ask ourselves if it really is a problem demanding action, or simply a periodic nuisance we can live with. Address our irrational fears, give them less power over us.

The expectation of the marketplace to be answer to all our ills makes us dependent on corporations, and lazy in our intellectual appraisal of circumstances and situations that annoy us or appear as intractable problems. While no one can be a jack-of-all-trades, we could stand to be more self-sufficient. Personally, I know I could use basic instruction in everything from home repairs to cooking to auto repair. This human condition is a major facet of the urban-rural divide. Those in rural regions and small towns are undeniably more self-sufficient than city-dwellers. Urbanites have partitioned expertise and resources to such a degree that there are specialists in niche markets. Farmers and ranchers are livestock EMTs, landscapers, butchers, and equipment repair technicians to name only a handful of their skills. They are too often still at the mercy of corporations that dictate which seeds they plant, where their produce can be sold, and for how much, but there is no denying their skill set.

Given our reliance on the corporate gods for our daily salvation, is it any wonder we cannot solve major societal problems that exceed the capabilities of business entities? It can be argued that colonialism, patriarchy, and White privilege and supremacy are supported, at least tacitly, by corporations. Turning to other human institutions, such as religion, gets us no further. Government has failed us repeatedly due to corruption, and extremists in political parties. As long as powerful people and entities prosper under the status quo, we are unlikely to see the systemic changes necessary for true equality in rights and freedoms, and equity in wealth distribution.

Environmental, consumer, and labor protections are viewed as barriers to corporate prosperity, but climate change, ecosystem destruction, an overstressed workforce, and an increasingly distrustful, powerless consumer constituency threaten to wreak economic havoc anyway. We need to remove the scales from our eyes and see the global marketplace for what it is: a means of preserving elitist power and wealth by dividing the vastly larger population that are employees and consumers.

We need not always be hostile in creating a revolution. Indeed, the Covid pandemic has highlighted the ingenuity of the individual, and the desire of many for simplicity, self-sufficiency, and a local economy that reduces energy consumption, rejects labor exploitation, and instead empowers each citizen to identify their personal passions and goals. People are quietly executing revolutionary changes that are positive and affirming, and vastly more inclusive of human diversity.

I am not generally a fan of horror films, but I can recommend one exceptional, and relatively tame, cinematic production that cleverly addresses the concepts mentioned above. They Live was released in 1988. Directed by John Carpenter, it is based on the short story "Eight O'Clock in the Morning," by Ray Nelson. It was ahead of its time, and might have been part of the inspiration for The Matrix. We do need to "free our minds" of the shackles of corporate expectations, and see our own personal potential to be the change needed today. That doesn't mean you have to saccrifice everything. Continue to indulge in your comforts, but perhaps not as frequently? I'm going to go brew a couple of cups of coffee now....

Our Tax Dollars Are Being Used Against Us

The primary objection to democratic frontrunner candidates for President of the United States appears to be the idea that they would increase taxes, perhaps drastically. The problem stems from interpretation of “taxes” as strictly, or mostly, income taxes; and the belief that our current taxes are being spent as they should be. Neither of these assumptions is true.

© Atmmarketplace.com

The most extreme opponents of taxation view the practice as “theft,” the robbing of your hard-earned wealth. In theory, taxes represent your contribution to the public good, services and products shared by the citizens of your municipality, county, state, province, and nation. Unfortunately, that reality is changing, and the disbursement of your tax dollars is becoming larcenous at a grand scale.

….I look at increased taxes on the wealthiest individuals and corporations as an opportunity for atonement. Call them reparations for having enslaved labor and jeopardized our collective health, both physical and mental, over decades if not centuries.

As one who will be seeking professional help with his own income tax for 2019, I am in no position to comment on the collection and disbursement of any other form of taxation. However, there are plenty that come to mind immediately: estate taxes, property taxes, capital gains taxes, payroll taxes, sales taxes, taxes on interest income, and excise taxes such as “sin taxes.” You cannot say that America has not been creative in ways to generate tax revenue. How to tax everyone equitably has been the challenge.

How is that revenue spent? Traditionally, tax revenue has gone to pay for such features as roads and other public infrastructure, public safety services (police, fire, other first responders), national defense, libraries, museums, parks and monuments, and salaries of government officials who represent you or otherwise serve you. The arts, sciences, and public television are also supported through government programs. Tough to argue against such vital foundations of our collective society, but some people do.

Perhaps this frustration is due in part to the fact that many of the projects related to these services are not performed in-house, in the public sector, but contracted to private companies. Some companies may not be eminently qualified to carry out the tasks, despite a low bid, and consequently the job must be re-done. That kind of redundancy and waste should be unacceptable. Other companies, more qualified and skilled, habitually overcharge or otherwise exploit the systems in place to milk as much profit as possible. Cost overruns are the order of the day, and apparently accepted as common practice by government agencies that engage in public-private partnerships.

Ok, but at least our tax dollars are ensuring our health and safety as consumers, members of the labor force, and guaranteeing environmental health, a free market, and all the other things we take for granted. Right? Wrong. That is the way it should be, but the opposite is happening instead.

We have to end the feedback loop of wealth accruing more wealth to be weaponized as an unfair tax burden against the poor and middle class for the creation of still more wealth for the wealthy.

Your tax dollars, instead of being spread widely for the benefit of the entire citizenry, are being funneled upward to corporations and individuals that are already enjoying a vastly greater degree of wealth than you or I. This takes the form of outright industry bailouts and corporate subsidies, plus loopholes in the tax laws permitting all manner of legal but unethical abuses. Industry then uses its protected and enhanced profits to lobby your government representatives for deregulation to further boost profits. This tends to result in fewer protections for labor, including union-busting and depressed wages and benefits, as well as erosion of consumer protections against faulty and dangerous products, and a decrease in environmental quality resulting from relaxed codes on atmospheric emissions and discharge of wastes and toxins into water resources.

The free market, though! Ah, if only that were true. If a free market existed, the U.S. would no longer have an auto industry, a coal industry, an oil industry, nor probably the enormous financial institutions we continue to have. All are consistently subsidized with your tax dollars. In the case of auto manufacturing and big banks, bailouts kept them from collapsing, for the time being. I guess we enjoy low fuel prices, but at what costs to the environment and our health? I guess we enjoy free bank….H-e-e-e-y, wait a minute!

Personally, I look at increased taxes on the wealthiest individuals and corporations as an opportunity for atonement. Call them reparations for having enslaved labor and jeopardized our collective health, both physical and mental, over decades if not centuries. We have to end the feedback loop of wealth accruing more wealth to be weaponized as an unfair tax burden against the poor and middle class for the creation of still more wealth for the wealthy. We have to tear down the dam that has resulted in hoarded currency, and restore the natural flow and cycle of money throughout the economy. Currency must be defined once again as energy, not power.

The U.S. Economy is a Dysfunctional Ecosystem

Economies might do well to emulate at least some aspects of biological ecosystems. Our American economy has somehow managed to magnify the undesirable characters of ecosystems while failing to adhere to the fundamentals that make such systems work. Meanwhile, our economy is undermining natural ecosystems that are the foundation for the economy.

Before I proceed farther, in accordance with a recently self-imposed personal law, I must disclose that I fall into the category of white privilege. It is important to remind myself that however I perceive my own circumstances and point of view, my status, for lack of a better term, is still greater than it should be when compared to other demographics that are not Caucasian nor male nor straight, and so forth. We need to hear those voices also.

How can one claim that economies are in any way like ecosystems? There are many similarities, but the most obvious is the idea of niche. Ecosystems are full of niches, each occupied by one or more species. Some, mostly plants and marine algae, are producers that take energy from the sun and convert it to biomass. Other organisms consume those plants, while still others feed on the first tier of consumers in what is properly known as the food web. Decomposing organisms help recycle deceased organisms back into the soil.

Economies are full of niches, too, but all of those niches are filled by one species: Homo sapiens. Niches in economies are called “jobs,” but it goes beyond that if only because, increasingly, one person may hold more than one job such that they can have the ability to consume more (or break even). Further, machines are filling more and more niches formerly occupied by persons as a result of automation. Society functions best when we do not limit the definition of an individual to their occupation. Human economies are more than simple transactions involving goods and services, they involve investments of intangibles like emotions and social capital.

The most profound similarity between ecosystems and economies is currency. The currency of ecosystems is energy, pure and simple. The currency of an economy is money. The only way an ecosystem functions properly is if energy flows freely, cycling ceaselessly for the benefit of all organisms. There is very little banking of energy, at least in the short term. Look at water and carbon in the natural world and they cycle endlessly.

Meanwhile, in the American economy at least, money is not viewed as energy. It is seen as power, and therefore hoarded, failing to flow as it should, despite the claims of those who subscribe to “trickle down” economics. The tap is perhaps dripping randomly. Worse yet, it is often only those in the white privilege category that receive any sustenance at all. This causes a cascade of negative effects that further erodes the economy. Entire segments of society are left without niches to fill, and therefore no way to participate in any part of the economic cycle, from production to consumption.

Among the negative side effects of an exclusionary economy is the rise of predators, parasites, thieves, and other criminal enterprises. While predators, for example, are one category of niches in natural ecosystems, there should be no place for them in an economy. When crime becomes a survival strategy, it is time to re-think the structure of our economy, question our aspirations to gratuitous material wealth, and tolerance for continued economic injustices.

One insistence of capitalist economies that is completely incompatible with natural ecosystems is the idea of infinite growth as the ideal. There can be no such thing, as human history has demonstrated repeatedly with the collapse of one civilization after another. Failure to accept the finite nature of natural resources, and/or partition them responsibly, has led to the fall of many empires, and it would appear that this is now a genuine threat to the entire globe.

Markets, like the biosphere, are also finite, despite efforts to expand them. Furthermore, while we claim allegiance to the idea of the “free market,” there is in reality no such thing. Were it true, then the U.S. auto industry, multinational banks, and other American corporations would have failed by now. Instead, we prop up those businesses artificially through government bailouts, tariffs, and other subsidies as corporate welfare that is deemed acceptable while social safety nets are allowed to unravel or are intentionally dismantled.

What does all this mean? It means that we need to look more critically at how we live our lives, what constitutes our premiums (Convenience? Value?), and perhaps seek to align our economy more with the functioning of the natural world. It is not a question of prosperity versus austerity, unless you are the ultra-privileged and your idea of austerity is one less yacht.

Chasing Money

At this particular moment in time, I am secure enough in the fiscal sense that I do not need to chase projects for the money. That has not always been the case, and it will surely be a fleeting sense of relief. The welcome respite gives me pause in another way, more restless and disturbing than gratifying. It calls into question the idea that money should be a motivator, that everything be framed in the sense of income and expenditures.

© BayAreaDigitalSolutions.com

The constant implication in our lives is that we have a responsibility to earn an income, a responsibility to spend it and invest it to keep the economy going, and that taxation is the villain that keeps us from fully realizing our financial potential. Those directives come from those already wealthy, who attained their power by hoarding money. We think that money is the matrix that holds our lives together, and we need to free our minds of that foolish belief.

We think that money is the matrix that holds our lives together, and we need to free our minds of that foolish belief.

The only currency of any relevance and importance is energy. Some may equate energy with love, or some other emotion or notion, but what I am talking about is metabolic energy. That is the currency of living ecosystems, and it flows freely among all organisms. There is minimal banking of metabolic energy. Plant tubers might be one example. Bears putting on fat for the winter is another. These situations are the minority, though. Energy usually passes quickly through the food web.

Economies can be viewed as redundant and inefficient ecosystems in which every niche is filled by only one species: Homo sapiens. Energy flow is disrupted as some individuals hoard money instead of releasing it to continue flowing to other niches. Nature is strict in its demand that energy flow.

Perhaps the worst aspect of money is that it has allowed us to assign arbitrary value to everything. "Precious" metals and stones are precious only because we say they are. There is a fine line between priceless and worthless. Arguably, they are two sides of the same coin. The lives of other species are priceless until we decide that the monetary value of the land they occupy can be increased by developing a shopping center....and we arbitrarily decided what the land was worth to begin with.

Money limits our creativity because we think only in terms of how we will benefit financially. We dismiss important endeavors before they get off the ground because [whining] "that's too costly," or "we can't make any money doing that." A cost-benefit analysis too often destroys potentially great achievements.

Money also actively encourages the invention of unnecessary products and services. The marketplace is full of disposable goods, mass-produced decorative objects, and all manner of substances passing themselves off as food and drink that are destructive to our individual and collective health. We are all children in the face of advertising, so easily convinced that we cannot live without a given item. Money fuels the conflict that filmmaker Ken Burns describes as the "I want versus we need."

Money allows us to judge one another not by the content of our character, but by the sum of our bank accounts, to paraphrase Dr. Martin Luther King, Jr. Wealthism should be as repulsive as racism, but instead we collectively aspire to be financially excessive. More importantly, we want to exclude others from our sense of entitlement and privilege. We want a very tangible expression of our success, but ironically define success by tangible expression. We never arrive in this scenario. It is the treadmill of status, nothing more. It is a process that erodes society instead of elevating it.

We can no longer afford (and I use that word deliberately) to allow ourselves to be conditioned to believe that money is a limiting or freeing element of our society. What is priceless? Empathy. Respect. Honesty. Patience. Persistence. Volunteerism. Be examples of those things. Add to that list, because it will get you thinking about what is truly value-able. Meanwhile, I challenge you to imagine a world without money. What would it look like? Could we operate more justly and more efficiently without it?

Economies Are Warped Reflections of Ecosystems

If ecosystems are what the planet is made of, then economies are the funhouse mirrors that wildly distort the principles the two have in common. A diversity of species fill all the niches in a natural ecosystem. Humans fill most of those roles in urban ecosystems. Humans fill all of those roles in economies.

It is said that nature abhors a vacuum. The elimination of apex predators, parasites, and competing species do not leave voids. Those niches are filled by human equivalents. This becomes abundantly clear in urban ecosystems, but we do not think of it that way. We prefer to think we are civilized, that we can somehow rise above the laws of nature, that in fact we do not even need natural systems to flourish. Should we regress to the village living in fear of lions, to an era before medications rendered disease merely a chapter in history books? No, of course not, but the marvels of our modern age have conveniently allowed us to imagine we are now immune to ecology.

We have further complicated matters by overlaying economics on top of nature, failing to acknowledge that economies are themselves a type of ecosystem, in which all the niches are filled by people. The currency of nature is energy. That energy is parceled out into three basic categories: organismal growth (metabolic), movement (kinetic), and rest (potential). The currency of economies is money. It, too, has several functions, including growth (interest and investment), movement (the marketplace), and rest (savings, retirement). The ideal form of economics would operate much like a natural ecosystem in terms of energy flow, but this is not what is happening. The predatory lenders, the parasitic scam artists, the diseases of poverty and addiction, among many other villains, derail economies time and time again. Capitalism and socialism alike are prone to rampant corruption, resulting in the hoarding of wealth (financial currency) that starves the system.

The energy of nature is requisite, finite, and circulates freely. The currency of man is arbitrary in the value it assigns to objects and resources, and it does not flow as freely as it should. "Precious metals" and "precious stones" are only so because we say they are. Nature assigns equal value to all of its components. Our human economies now look at everything from land to certain categories of humans in terms of whether they can produce financial profit. This is in direct conflict with natural laws and so we see deforestation, desertification, poverty, climate change, endangered species, pollution, invasive species, mass incarceration, and racism and genocide. These are just the intolerable conditions that come immediately and randomly to mind. You can probably add to the list.

Our final failure lies in a stunning denial of the fact that no matter what we do, we answer to the whims of planet Earth. We started to see the effects of our economic practices on nature shortly after the Industrial Revolution, but now that we are in the digital age, we believe that technology can save us. Computers and cell phones still rely on the extraction of natural resources, which leads not only to pollution with the disposal of the outmoded generation of products, but to ruthless competition to harvest materials for the components, among other complications we conveniently turn our heads away from.

Ultimately, the future of nature comes down to the willingness of Homo sapiens to exercise restraint, in our sheer numbers, and in our economic impact. Every species dreams of being in our shoes, able to eliminate mortality factors, eliminate competitors, reproduce astronomically, and thoroughly dominate the landscape. It is an impossible "success" story, however, when you erode the foundation of your castle. We will adapt and truly evolve only if we recognize value beyond financial profit. The marketplace is artificial. The Earth is not.

Big, Urgent Things

© nytimes.com

The Green New Deal proposed by Representative Alexandria Ocasio-Cortez and her fellow Democrats is an ambitious plan for a revolution in energy, agriculture, but it might benefit from a complementary "retrolution" that brings citizens together through more localized economies. We still need technology to keep advancing, but it should be focused more specifically on areas of critical concern.

Necessary Social Change

What we need most desperately are social changes. We need to rebuild trust in each other. Distrust, to the point where we now assume the worst about anyone we have not met personally, drives the divide in this nation, fuels the proliferation of firearms, and erodes the fabric of historically beneficial institutions like churches and children's organizations.

We also need to question the accepted meanings of words used by politicians to galvanize or provoke us. Prosperity and wealth, for example, are currently viewed strictly through economic and financial lenses. The result is that we see everything, and everyone, as potential for making money for corporations. Land, if it cannot be "developed," is deemed worthless. Species which cannot feed us or otherwise work for us, are considered disposable. This has to stop. Even as human life is labeled "priceless," our soldiers are expendable products of the military-industrial complex.

Ok, so what about the other issues we face, like climate change, the future of energy, and our growing population?

Develop Alternative Fuels For Transportation

So far, our technology and innovation is lagging here. Electric cars may be the goal in the immediate future, but if the original energy source is still a coal-fired power plants, then are we really making progress? Solar and wind need to feed our car batteries as well as our homes and businesses. Why should this be such a grave concern, beyond the obvious carbon emissions? Look at how much our economy depends on delivery today. Not only are we transporting ourselves, we are transporting others as Uber and Lyft drivers, transporting food from restaurants, and transporting durable goods, all to individual households. The proliferation of delivery services is using a great deal of fuel.

Scale Down Almost Everything

Think about it. Scaling down everything from agriculture and banking to our own living spaces and appetites would do wonders for the world. There are signs of hope beyond the "tiny house" movement. Community gardens are sprouting in many cities. Many neighborhoods have a farmer's market where one can buy direct from local farmers. Some restaurants are serving more modest portions to cut down on food waste, an epidemic problem in the U.S. Credit unions are becoming an attractive alternative to big banks. Young people are demanding walkable neighborhoods where they can live, work, shop, and recreate without a long commute. The village is the new city, or will be soon.

Create a Reciprocal Power Grid

We should have this already. Surely the technology exists, but as long as utility companies value profit above all else, any progress on a reciprocal grid is unlikely. The good news is that there are rural electrical cooperatives where this could be tried experimentally. Again, the smaller the scale, the better it is likely to work. Every business and home that wants one could purchase solar panels or a modest wind turbine (even a bird-friendly design). Any excess power would be diverted to a substation. At times when producing energy is not feasible, or personal demand is greater, the energy would flow from substation back to the business or home. Seems plausible from my armchair, anyway.

Begin a Dialogue on Human Population Growth

Start the conversation, that is all that we can ask. Ok, maybe stop insisting that it is a woman's purpose or "duty" to bear children. The social pressure on women to produce babies is overwhelming, disrespectful, stressful, and no one's business but the woman's. We are fed with political- and media-generated hype that the economy will die if we do not feed the labor force. Baloney. What the business world fears is not a lack of producers, but a dearth of consumers. More jobs are being automated, while others are outsourced overseas. That is not likely to change. Here again is another reason to return to mom-and-pop enterprise, local, small-scale businesses that can be held accountable, that will reward you for loyalty, and that are an integral part of the community. Corporations may want more and more people, but we passed the carrying capacity of the planet some time ago.

The Retrolution is Possible

Nostalgia is not what should lead us to a plan for a better future, but we can take lessons from bygone eras while our elders are still around to teach us what worked and what did not. Meanwhile, let us stop aspiring to gratuitous material wealth. The combined effect of individuals living more frugally would have great impact on every major problem associated with our currently overindulgent consumer culture. A meaningful life stems more from personal relationships, involvement in community, travel, adventures in nature, physical activity, and spiritual reflection, than from financial excess....or is that just me?

Deliver Us From....Delivery

© Zencomputershop.com

This Sunday is the "big game," and we are guaranteed as Americans to have pizza and other food delivery drivers scrambling to satiate us as we gather at parties to sit in front of the huge television we had delivered just the other day to make the sports spectacle all the more spectacular. Lately, though, it seems that "delivery season" has stretched to encompass the entire calendar year, and that should stir some unease at the very least.

Our delivery culture has arguably made us more isolated and dependent, physically weaker, overspent financially, and turned us into hoarders of a sort. It continues if not accelerates the idea that material things are all that matters, all that gives us comfort and joy. It bloats not only our consumption of products, but adds to our waste of energy and other natural resources. We have come to embrace convenience as our social and economic god, above all else.

"Free shipping" encourages mindless binge shopping because we can simply add an item to the shopping cart icon, no muss, no fuss. People who bought this also purchased this, and so we want to keep up with the Joneses. We are slaves to fashion, marketing and advertising, peer influence, and the "influencers" we follow on social media. Strike that. We are shamed by those manipulative factors.

My own home looks more like a warehouse these days, in part to my deceased mother's and father's belongings that we relocated to our house from their storage lockers. Still, we seem to accumulate more boxes almost weekly from purchases my spouse makes online. That is not to say she is impulsive. Neither of us spends much on material goods beyond what we need. We tend to "upgrade" sporadically. Despite our best intentions, we are tripping over Amazon containers.

Let us think for a moment about all that extra packaging that goes into delivery, most of it disposable, too often like the products inside them. We tell ourselves we can re-use the boxes, but are defeated in trying to strip off all the tape and labels and barcodes. In the end we often just dump them in the recycling bin if we are lucky enough to have recycling services. Our food orders come in styrofoam, plastic, or maybe cardboard boxes, all inside a trash-worthy plastic bag. Wasteful, even as we are laughing at the new handheld gadget that comes in a cubic foot box.

Perhaps the scariest part of our obsession with delivery is that virtually all of the vehicles used to bring things to our homes are fossil-fuel dependent. Maybe some couriers employ electric cars, or bicycle messengers, but the range of both are geographically small and microscopic respectively. Delivery drones have not become commonplace despite promises to the contrary, but I for one think that is a good thing. I loathe the prospect of a future full of the incessant whining of tiny rotors from drones passing overhead.

The growth of delivery services has become almost exponential. Restaurant food delivery alone is becoming the norm, though ironically restaurants still call such customers "guests." Options like Grubhub, DoorDash, and now UberEats make it uncomfortably easy to never leave your home or apartment except, maybe, to commute to and from work. One can see the day where Uber and Lyft are transporting more goods than they are human passengers.

We cannot, of course, ignore the social ramifications of delivery. The only way we can deliver ideas, sentiments, passion, and other vital currencies of society to each other, powerfully, is in-person. Conversation has been replaced with keystrokes. We are allowing corporations to have the only voice, the only authority, in our lives. We meekly accept the invasion of our privacy as a logical consequence of convenience, individualized marketing on Facebook as the price we pay for our otherwise anonymous participation in the economy. Oh, we complain about it. We mourn the closing of our favorite bookseller, hardware store, bakery, and other local businesses, but fail to see how our shopping habits led to their demise.

We are also up-in-arms over thieves that steal the packages off our porches, but now we have spyware for that....The snowball of technology keeps rolling, right over us as we lie listlessly on the couch, with Netflix and Hulu, the new delivery streams for media. Maybe we need to re-think this. Maybe we....Excuse me, I believe I just heard the doorbell.

Alone Like Never Before

My wife just got us an ECHO™ device. I was not consulted, at least not while I was paying attention, but it got me thinking about the deepening and darkening trend toward the total isolation of the American household, the individual U.S. citizen. Freedom has come to mean freedom from others, and social media aside, that should be disturbing to you.

Advertisers don't frame it this way, of course. They paint these newer technologies as the latest in "convenience." I suppose so, but they conveniently omit the loss of labor from the self-checkout at the supermarket, the fresh air you aren't breathing and the exercise you aren't getting when you call Grubhub or DoorDash, your lack of daily education that comes from interacting with other people face to face, in person.

Can't be bothered conversing with an Uber or Lyft driver? No problem, driverless taxicabs are on the horizon. Where will this end? At what point do we say no, I can do that myself? It is all I can do to tolerate hotel personnel waiting on me hand and foot when I am at one of the fancier establishments. I am not helpless, and I didn't get where I am as a writer by asking Alexa or Google for everything. Back in the day I had to go to a library. I still do, but not as often as I should, and so I miss out on local happenings because I fail to go up the street regularly and see what community announcements they have posted. Shame on me.

I can see where this is going, and it is very clever. Eventually there will be Republican Alexa, Fox News Alexa, Gangsta Alexa, Zionist Alexa....and maybe their counterparts of Democrat, CNN, Folk Alexa, and Agnostic Alexa. Why be unduly inconvenienced by different opinions, religions, cultures, and whatnot? Who needs that baggage? The answer, of course, is that we all do.

While we are talking to our home devices, our Senators and Representatives are talking to lobbyists and corporate interests and making deals that further undermine our rights as workers, consumers, voters, and taxpaying citizens. Alexa is not going to remind you of that. You eventually won't know the rules until you unwittingly break one. Right now, Blacks and Hispanics are all too familiar with this scenario, but sooner or later so will you unless you leave your comfort zone, at least periodically.

People fear the wrong thing from the in-home devices. They think these are stealth machines, surveillance products we have been duped into buying ourselves! Don't you know they are listening to our every word, recording our every action if you have one of those portal thingies, and otherwise invading our privacy? Not likely, though I trust that the manufacturers are listening to find out what else they can sell us.

The real fear we should have in our constant isolation is the erosion of empathy. You cannot relate to others if you don't share experiences. You cannot acknowledge wrongs to others, or validate their trauma, if you do not bear witness firsthand. That was the power of the Civil Rights movement. Comfortable people finally opened their eyes and what they saw shook them.

We need another breakthrough like that, and something sustainable that rejects not technology but the agenda behind it. The future of products and services, as the corporate world sees it, is in cutting us off from each other, automating marketing based on our prior consumer choices. No other input necessary, but thank you for the Yelp review, and "checking in" on Facebook so that we can start a marketing campaign for other individuals. Oooh, look at this bright and shiny new gizmo while we beg Congress for more tax breaks and subsidies that will go to our CEOs and shareholders rather than into properly compensating our employees, providing healthcare and other benefits, testing our products for safety, and making our factories safer, cleaner, and less impactful on the environment. Don't look behind the curtain at our lobbyists arguing for relaxed industrial emissions, looser labor laws, and reduced consumer safety standards.

One day soon I may toss our ECHO into the trash, or at least take it to a thrift store, though I hate to encourage the proliferation of these gadgets. Meanwhile, Alexa? Tell my wife I love her and that I forgive her for the error of your purchase.

Climate, Consumerism, and Immigration

Wow, look at all those refugee....Oh, never mind, it's Black Friday© CNN.com

It has been an eventful Thanksgiving week, but you might not be in the loop if you were properly focused on family, food, and travel. We can be grateful for our American privilege of indulgence in those loves and pursuits, but for how much longer? A government report acknowledging climate change, a scathing indictment of mindless consumerism by a journalist, and the virtual disappearance of the immigrant "caravan" should give us pause.

Released at 4 PM on Black Friday, when the masses were distracted by shopping, comes the Fourth National Climate Assessment, volume II, outlining what we can expect if we stay our present course in, well, pretty much our everyday habits as consumers, producers, drivers....Will the fourth report (time) be the charm, the one that finally elicits action? Don't hold your breath.

The first alarm bells began ringing around a 1965 report issued by President Lyndon Johnson's Science Advisory Committee, its findings echoed in a speech by Frank Ikard, then President of the American Petroleum Institute. Ikard's analysis was published in the journal Nature. Good luck accessing that government report from 1965, despite it being public record. Attempts by Texas Pollinator Powwow, a Facebook group, to provide links in its posts have resulted in not one, but five broken links. Cover-up, much?

The hyperlink above goes on to reveal that physicists and other scientists had their suspicions, and were conducting atmospheric research, back in the mid-1950s to create projections of rising carbon dioxide levels and the implications thereof.

Appropriately for "Black Friday," journalist George Monbiot dropped a bomb of an editorial on what he calls "Pathological Consumerism", condemning the largely American habit of gift-giving for the sake of gift-giving, with little or no thought to the greater ramifications. He argues convincingly that production of many products, including novelty items, consumes so many resources, and takes so much energy, that it is nearly equal to the impact of driving internal combustion engine vehicles in terms of contributing to climate change. Plastics are derived largely from petroleum, electronics depend on the mining of rare metals, etc, etc.

Ok, fine, but what about that parade of immigrants threatening our southern border? Largely dismissed as a political stunt for the midterm election cycle, the deployment of troops to the Lower Rio Grande Valley in Texas seems to have evaporated in its urgency. There are larger than average numbers of asylum-seekers at the California border checkpoints, we are told, but that does not seem to have triggered any alarm or military response.

Here is something to consider: if you think "normal" streams of immigrants are an issue, just wait until catastrophic climate change kicks in. As more of the planet becomes uninhabitable, where do you think those displaced people are going to go? You want to do something about the immigration problem? Then do something to mitigate climate change. Call on our government officials to mandate industry controls, but also think twice about your daily habits, including whether you really need to drive to the store, or if it can wait until you have a greater necessity, or can find a carpool buddy.

I call on my followers to set an example of responsible consumerism, activism, and compassion for all species. No, we are not going to be perfect, and we have to learn to forgive ourselves for that and not let it prevent us from acting anyway. We have to be stern to those in power, and gentle to those struggling to change for the better. We can do this, but we have to start now, no pessimism allowed.

Is The Melting Pot "Full" Now?

© Valley News, vnews.com

The United States of America recently celebrated the 242nd anniversary of its Declaration of Independence from British colonialism. Since that time, our greatest assets have been the individuals and families from less fortunate nations that we continue to welcome, and a collective sense of empathy and compassion. The "rude" French even sent us a statue commemorating our ability to embrace everyone regardless of economic circumstance, religious belief, race, or gender. What happened to that?

We are suddenly a nation of intolerance, willing to literally wall ourselves off from the rest of the world, believing that what used to be our greatest strength is now our most pressing problem, our greatest weakness. We have already built walls around our hearts, hardened ourselves to misery greater than we will ever experience. We look around us and no longer see people who look like us. We no longer understand the words in conversations carried out around us. We feel eerily isolated in neighborhoods that have become unrecognizable. The houses look the same, but the occupants are different. It does not compute. Our accustomed level of comfort is becoming highly unstable, even if none of "them" are terrorists.

The extremely wealthy and powerful have taken note of our unease and amplified it into irrational fears as a way to manufacture an unnecessary political divide. This wedge being driven between us allows the continued redistribution of wealth to the very top of our economic food chain. We are told there is not enough to go around, and the problem is "those people" streaming across our border and "stealing your jobs."

No, the problem is in your corporate boardroom where you draw up plans to lay off your workforce if not take away their benefits, raid their pensions, and otherwise make the lives of labor intolerable such that your shareholders and executive officers reap obscene profits.

Those of us whole toil away at unpaid overtime, without union representation, doing the jobs of three other people whose positions were not renewed, are now left to our own devices. We are told we should get a second job, sell some of our belongings, continue to sacrifice for the good of the company. That is, after all, the kind of loyalty that built our most esteemed companies.

No, it is not. Henry Ford is widely acclaimed for having paid his employees enough that they could own the vehicles they were building. Loyalty is a two-way street. There is a reason there is an annual best-companies-to-work-for list.

So, given our personal economic woes, it is no wonder we are falling into a Kick the Dog Syndrome. Men, especially, want to express the pain and angst they feel, and do so inappropriately by inflicting pain on someone else. Maybe it is their spouse. Maybe it is their kids. Maybe it is the Mexican neighbors or those "uppity" Blacks down the street. We want to make tangible the intangible emotional pain that we carry hidden. How is anyone else to know our inner turmoil, our guilt at being unable to provide for our families, our utter failure to advance to the American Dream?

The answer, of course, is that the American Dream created unrealistic, if not outright false, expectations. The melting pot is only full if you believe that you are entitled to the spacious house, the white picket fence, the two-car garage, and all the other material amenities we were promised in the 1950s. We now have a segment of our population that believes they are entitled to mansions (several, in fact), private jets, private banking, and luxury at every turn. They "earned" that, naturally, from your labor, your blood, sweat, and tears. They hardened their hearts to you long before you hardened yours to today's brand of immigrants. Remember that. Stop participating, as much as possible, in the system that is disempowering you. Look for employers who are interested in seeing all of their employees prosper, not just the ones at the top. Become your own employer. Drop your bank for a credit union. Stop aspiring to excessive affluence and invest in organizations that help the less fortunate, protect consumers, the environment, and all of those things we hold valuable above money.

We need all the allies we can get to improve our collective society and culture, and those fellow soldiers are the new immigrants you want to blame for everything. Recognize your misplaced resentment and hostility. Channel it into something better for yourself and the other downtrodden.

Americans Must Define 'Great' and Who it Applies to

Has the President of the United States lived up to his campaign promise to "make America great again?" The answer may depend upon whom you are asking. Looking at the advertisements for the midterm primary elections, it is glaringly obvious that the divisions we see in the electorate are largely manufactured by our two major parties, designed to pit us against one another such that the status quo of prosperity for the few is maintained. Citizens need to ignore political rhetoric and keep chugging along, as we have always done.

Let us start with immigration since that is the hot-button issue of the day in the wake of images of children sleeping under sheets of silver mylar inside fenced areas resembling cages. Children. Forget everything else. They are vulnerable human beings first, and every other label second, if applied at all. Speaking for myself, one of the facets of this nation that I believe makes it great is its desire to comfort the afflicted, as so perfectly worded on the plaque beneath the Statue of Liberty.

I did not know that our sentiments had an expiration date. When you are fleeing for your life and seeking safety, you do what you have to do, "legal" or not, to get yourself and your loved ones out of harm's way. This is not criminal behavior, it is a heroic example of one's obligation to oneself and their family. The United States can compound the problem, or it can do what it does best and create new and unique solutions that do not further traumatize people who are already victims.

One must also recognize that the U.S. does not exist in a vacuum, "America first!" chants to the contrary. Immigration is a global crisis. Withdrawing from United Nations Human Rights Council, UNESCO (United Nations Educational, Scientific and Cultural Organization), the Paris Agreement (on climate change mitigation), and other international bodies and treaties only exacerbates issues with immigration and other forces that impact U.S. citizens. One of the great historical aspects of the U.S. has been its willingness to cooperate in global peace endeavors. We are now abandoning our obligations and abdicating our world responsibilities.

Some will argue that previous presidential administrations have abandoned obligations to our domestic citizenry, especially in rural areas where fewer voters are dispersed over vast expanses of agricultural landscapes. The current Commander-in-Chief has managed to convince those folks that he can make them great again, when in reality it is business as usual, with more mom-and-pop farms, ranches, and businesses going belly-up or being gobbled up by multinational corporations. There may be an immediate infusion of cash into rural economies when a company purchases land, a business, or equipment, but it is a quick fix that will leave that community begging again in another few years, though hopefully not before the next election cycle.

Economic prosperity, this writer would argue, is not what makes America great. It should be a byproduct of greatness, if anything, something that comes as a tangible reward for selflessness, not greed. Aspiring to material excess is what empires do, and we know from history that such greedy pursuits end badly.

What is truly making America great right now is the stubborn determination of Americans to succeed in spite of government, regardless of what political party is in power. We come home after a long workday and rail at the television newscasters bringing us stories of want, war, and woe; but we go to bed, get up, and go to work again.

That work may be volunteering at the food pantry, for Planned Parenthood, the local chapter of the Audubon Society, or any number of other organizations doing what we believe the government ought to be doing. Bless each and every one of you. Whether your neighbor agrees with your "agenda" or not, you are making society great, and that transcends borders, politics, religion, race, economic status, and all the other things that supposedly divide us. It is that daily commitment to participating in things greater than yourself that makes you great, and by extension makes America great. Not "again," but still.

Can Stacey Cunningham Humanize Wall Street?

© Interpretingthetimes.com

No. I could leave it at that one-word answer, but then this would be a very short commentary. While it is about time that the New York Stock Exchange had a woman at the helm, she would not be there if she promised anything but business as usual.

Judging by the reactions of other women in leadership positions, this historical appointment (the NYSE is 226 years old and Cunningham is the first female president) is barely significant in achieving the goal of gender parity in the financial services industry, let alone any other kind of milestone. As Kathryn Kolbert of the Athena Center for Leadership Studies was quick to point out, the fact that we are still celebrating every newly-minted woman CEO shows how rare this phenomenon remains. According to Kolbert, you need to reach at least a thirty-percent threshold for critical mass, when the good 'ol boys business model begins to transform and truly accept gender equity in terms of leadership roles.

The NYSE may in fact be eager simply to change public perception of itself as a stodgy institution of greedy White men with little concern for the average American citizen who is increasingly "minority" in every sense of the word. Well, good luck with that. We are not so easily fooled into believing that a fresh face, female or otherwise, is anything more than a facade for what some would call the most destructive entity in our economic sphere.

Public enterprises on the NYSE, Dow, and other registers have succeeded largely by exploiting labor, eroding consumer protections, and lobbying for deregulation to absolve themselves of harm to the environment. Did I mention they have also cannibalized each other in mergers that are permitted by lax anti-trust laws? No? Well, they do. Wall Street should add a dog to the bull and the bear because it is a dog-eat-dog world they have created. The only survivors, the only constants, are shareholders. Shareholders are people wealthy enough to invest in public companies. The fast majority of us, if we called a financial advisor, would be laughed at and then hung up on. We don't matter. Never have, probably never will.

Changing that callous culture is what we all want from the next appointed leader, regardless of what gender they identify as. One would like to be optimistic in this case, but feminism has created something of a monster. Young women have been taught that if you want to succeed in a man's world, then you must behave like a man. You must set aside your sentimentality, your desire for compromise and cooperation, and be ruthless to be accomplished in the business world. No room for warm hearts here. What a shame. What a failed promise of feminism to heal the wounds of economic warfare, to make businesses more humane. Indeed, to make society more accountable and trustworthy.

Do not get me wrong. I have not met Ms. Cunningham, and have no personal axe to grind. She may be a truly gentle human being. I will even assume so. It is just that I fail to see why anyone of either sex would want anything to do with an institution so hell bent on concentrating wealth into fewer and fewer hands. Wall Street is symbolic of greed because it enables a financial model that creates and rewards greed. This is what has to change, and anyone who advocated for a system that was more fair would not be granted a leadership position. They would be sent packing.

It may simply be the scale of Wall Street that has become the greatest part of the problem. A similar model scaled down to the size of a local economy, with vastly lowered investment thresholds, might work just fine. The more shareholders the better. The less exclusiveness, the better. The more diversity, the better.

Cunningham is likely to be the continuation of the problem here, not because she could not change Wall Street for the better, but because her affluent constituents have no will to do so. They are being served already. Well, let them all be served with this notice: the revolution is coming. You will know by our lack of participation in your transactions as we turn to local commerce, and invest not in products and services but in experiences, charitable organizations, and assign more value to intangibles.

The Last Bastion of Legal Discrimination

A video making the rounds through social media these days asserts that "Diamonds Are a Lie." It points to propaganda by the diamond dealer De Beers that artificially inflated the value of the stones. This hit home for me for a number of reasons and reminded me to write about my long-held perception of the perils of wealth inequality as a whole.

My father earned his affluence by creating high end custom jewelry for wealthy clients in Portland, Oregon. This of course included diamonds and gold and other "precious stones" and metals. There is no question that our society has ascribed arbitrary monetary valuations to certain gems and other natural resources. It is perhaps a logical extension in our evolution for male individuals who want to set themselves apart from competing males by demonstrating financial richness in addition to physical prowess, intellectual superiority, and other characteristics attractive to females. Still, it has to stop.

Status has come to mean one thing: relative financial wealth. It is putting our entire human species at risk. We now have the human equivalent of the peacock, only instead of feathers it is funds, stocks, bonds, yachts, luxury cars, second and third homes, exotic vacations, designer fashions, and yes, pricey jewelry. We celebrate and idolize these people, mostly White males, in the Fortune 500, Forbes, and other periodicals devoted solely to wealth and how to achieve it.

Interestingly, we assign dollar values chiefly to inanimate objects, and non-living natural resources. Living creatures we conveniently refer to as "priceless." The insinuation is that people, other animals, plants, and other organisms are so valuable that it is pointless to put a figure on their worth. The reality is that the convenient priceless tag permits us to devalue life when it stands in the way of resource extraction or our personal ascent up the ladder of wealth. We have no trouble turning our backs on our brothers and sisters, let alone other entire species, if profit is to be had.

What is most staggering is the almost complete success of the brainwashing campaign that has convinced us that great material wealth is something we should aspire to. Why? Well, it is the carrot held before us so that those who are already wealthy can beat us with the stick. Drudgery is supposedly the price we pay for our income. We have apparently resigned ourselves to accept this scenario without complaint, even without union representation. We literally slave away so that company shareholders can reap ever bigger profits and reward the executives with bonuses.

We still believe that if we work hard we will one day own a home, be able to retire to a leisurely lifestyle, and still put our kids through college, too. No, we cannot. Wealth is now inherited far more than it is earned. We can always borrow, because the interest rate is so low. We no longer have a middle class, we have a debt class masquerading as the middle class. We used to be able to get ahead by saving money, but no bank product pays worth a damn because of the low interest rate. Your life is reduced to your credit rating, your ability to borrow.

Should everything be free? No, of course not, but there are entirely too many things we do not need at all. I speak again of objects and accessories that do nothing, or next to nothing, but flaunt our personal affluence. Why must we measure ourselves by dollars? Why do we continue to tolerate, even endorse, discrimination against others based on their inability to pay exorbitant amounts of money for exclusive this, or chic that? It is nothing short of shameful.

What interests me is not the prime rate, it is your willingness to share what you have. It is, as the Reverend Martin Luther King, Jr. decreed "the content of (your) character" that should define you. Your currency of thought, and empathy and humor and empowerment of others is what interests me. Your refusal to judge others, or assume the worst without knowing them, is what sets you apart and makes you my friend. I have no desire to burden myself with material goods, or surround myself with elitist, snobbish friends. Neither do you, right?

Privileged Whites

White privilege undeniably drives racism in the U.S., but reverse those two words and you have the root of what cripples us all: Privileged Whites. Are all wealthy Caucasians villains in our society? No, but it is the few who are greediest and most corrupt that have captured power. The solution is to recognize their tools and strategies and then refuse to participate in their games.

One could argue that the concept of privileged Whites could be narrowed further to privileged White men. The fraction of excessively wealthy women who lack empathy for the less fortunate are simply subscribing to the model set forth by their male counterparts. It is an unfortunate perversion of feminism that suggests that if women are to succeed in a male-dominated world, then they must act like men, stripping themselves of compassion in the ruthless pursuit of material wealth.

Misguided Aspirations

The best way to combat the wealth gap, and general divisiveness in America, is to stop aspiring to excessive material affluence. Period. Refuse to compete with others. Meet your needs, live within your means, share with others what you have in goods, services, and experiences. Reject the temptation of credit, loans, and other financial products and services designed to mask the reality that we are a debt class instead of a Middle Class. Stop consuming media that feeds impulsive purchases, erodes your self-esteem, and presents a skewed reality (if not fantasy). You are not a product yourself, so stop treating yourself that way. Stop mindlessly subscribing to the idea that it is your responsibility to fulfill the obligations of others, outside of children, the elderly, and the ill. Periodic indulgences are fine, but you may find yourself in a healthier frame of mind by downsizing the number of products you already own. It is not your responsibility to line the pockets of corporate shareholders and CEOs, but that is largely what you are doing when you patronize purely commercial companies. Shop local. Support local agriculture. Heck, grow your own vegetable garden.

Feeding the Machine

We are constantly bombarded with advertising that reminds us we are unfulfilled, and essentially worthless without [insert product or service here]. Furthermore, we should strive to be more like this celebrity, this athlete, this successful businessman or businesswoman. We should at least dress the part with the latest fashions, beauty treatments, suggested occupations, and other lifestyle upgrades. It is more important to be seen as having substance rather than actually having intangible qualities like empathy, a work ethic, and compassion.

Government regulations at every level discourage self-sufficiency, like replacing your lawn with a vegetable garden, while encouraging dependence on corporate solutions, like lawn care products and services. We claim that "charity begins at home," but the tax code will not give you a deduction for helping a relative unless they live with you. Try going off the grid and see how long it is before you get harassed by local utility interests. We are thwarted at every turn when we seek to take control of our lives in healthy ways, so that the wheels of multinational corporations can keep running us over. No conspiracy theory necessary, just turn on the television and see for yourself.

What We are "Allowed"

While the media defines for us what it means to be successful, we are constantly deprived of avenues for achieving that success. Again, I am speaking of financial success, which is of questionable value in itself, but hear me out. We are not guaranteed a living wage, having to settle for a minimum wage instead, which frequently does not keep up with the cost of living. The Federal Reserve has not made saving money possible for several decades because it refuses to raise interest rates, playing on our fears of inflation. Meanwhile, a lower interest rate encourages borrowing, which plunges us further into personal debt.

What we are allowed to do to make up personal financial deficits is paltry, risky, and unhealthy for ourselves and society. We can take a second or third job, further depriving us of lives outside of work. We can play the lottery, patronize the casino, borrow money, get yet another credit card (see borrowing money), or file lawsuits. Seriously, the proliferation of lawsuits would largely cease if people did not feel that they were already owed something. The lack of a living wage incites feelings of inadequacy that people believe can be quenched through lawsuits. "I am entitled to more, to better!" Indeed they are, but through fair pay for their work, which continues to be undervalued. We are enslaved in an economic sense, insidiously, such that we are cleverly duped. It should be no less intolerable than physical slavery, or the continuing exploitation of Native Americans through "legal" theft every time their casinos make a killing or oil or gas is discovered on their lands. We are owned by corporations, make no mistake about it, but we allow ourselves to be.

Drop Out, Engage, Promote Alternatives

Personally, I all but abstain from the economy. I freelance, which is a punishing way to try and earn a living, but less so than working at a job I disdain, with people I abhor, just to make money. Consequently, I have little to spend. What I earn goes to my monthly share of the groceries, meals out, my cell phone bill (a pay-as-you-go plan), my share of automobile fuel costs, clothing from thrift stores, shoes about every two or three years, and occasional travel. That is about it. I have essentially dropped out of the material world. What has increased is my level of civic and social engagement, both online and in person. It is through social interactions that I learn what about alternative consumer choices other people are making to overcome the obstacles and injustices they face, or that our society faces. This month, one friend is attempting a Plastic-Free January, going out of her way to avoid using plastics, especially disposable versions like cups, drinking straws, and packaging. Our household is on board and looking to be even more critical of how our buying and lifestyle habits affect others and the environment.

We have to demand better, not more. We are entitled to basic standards of living and decency for all before we can look to add luxuries. The very things that do make America great are under assault right now. They include our spirit of helping others, respect for each other, and unity in achieving common goals. We no longer have the luxury, as if we ever have, to discriminate, spew hate speech, and attempt to destroy the lives of others we may disagree with. We lose our sense of community, and we lose everything. Privileged Whites are banking on that.