Our existing system is unjust, unsustainable, and dysfunctional. We can see its effects all around us. What would a just, functional, sustainable system be like? Just Money is such a system, and it makes it possible to pay for the things that society and all its members need to survive and thrive.


Lower taxation: Changing how money is created gives us the ability to lower taxation substantially at all levels, Federal, State, and Local. This change would keep more money in the pockets of citizens and help to make our society more stable and equitable.

Reduction and eventual elimination of public debt: Once the government is the sole creator of money for the country’s economy, the need to borrow is eliminated. Existing government debt will be paid off over time resulting in a fully solvent government.

Reduction of private debt: When the structure of the money system is not forcing people to be in constant debt, getting out of debt and living debt free will become a viable choice instead of an impossible dream.

Elimination of bank runs: Bank runs are not possible under the new system because banks actually have all the money they’ve agreed to make available to their depositors. Banks are no longer structured to be incapable of fulfilling all of their agreements at the same time.

Elimination of whole-economy boom–bust cycles: The economic highs and crashes brought on by the debt-money cycle are eliminated. In the case of fluctuations brought on by stock market speculation, the government is in a position to protect the working economy from the fallout. Rather than being forced to bail out the banks, the government could feed money into the productive economy to cover a shortfall created by a bust in the financial sector. Also it can be hoped that once it ceases to be artificially propped up by the government, the investment sector will begin to behave more prudently.

Stable employment or livelihood: Under a Just Money system, people are not forced into unemployment by economic downturns. The stable money supply provides a stable economy. Plus, as long as there are publicly desirable projects that can be done and there are people and materials to do them, the government can fund them; lack of money is not a barrier.   


Enhanced public investment: Without interest on public debt taking an enormous bite out of public funds, we can invest in creating a solid foundation for a prosperous nation—healthcare, education, transportation, clean water and air, workplace and consumer protection, communication systems, etc.

Democracy: Under Just Money our society is made more democratic by the fact that the power to create money is under public democratic control and no longer a monopoly of banking interests. Provided people have the political will to guide them, this frees our elected representatives to focus constructively on the real needs of the broader society.

Sustainability: Our money system under Just Money is not structured to demand constant growth. It can accommodate a steady state economy and a reduction in types of production that become unviable. We are then free as a society to engage in rational collective planning for the future, to aim our activities toward a viable civilization for future generations.

Fairness: The money system itself is no longer stealing from the poor and the productive and giving to the wealthy. The relentless transfer of money to the top of the pyramid through the debt-based money creation process is gone, leaving the people and the government free to create a more equitable society and to provide support to those who have been crushed by the old system.

Environment: The most basic driving force that demanded constant growth at the expense of the environment will have been eliminated. With the creation of money under the power of a public body, environmental crises fueled by the old system can be rationally addressed, and processes can be implemented to heal and protect the only planet we have.  


Level playing field: A small number of elites will no longer have the power to create our money supply, which currently gives them an unequaled privilege and power to manipulate the marketplace.

Consistent reliable money: Markets function best when the currency is of a reliable and consistent value. Just Money provides that stable value. Businesses will be able to plan better and save on the current necessity of contingency planning for economy-wide boom and bust cycles.

Greater freedom: With a reduction in the power of a privileged few to manipulate and control the marketplace, monopolies can be eliminated, small businesses can thrive, investors can invest closer to home, and consumers and businesses will have more choice and greater freedom.

Innovation thrives: In our current system, only a very small number of people have the wealth to make substantial investments. Historically, most tend to invest in proven technologies. As the money system ceases to transfer wealth from the many to the few, more people will have money to invest in new technologies and small businesses.  

Local investment: With the forced-growth imperative of the old system gone, and more money in the hands of ordinary people, a more favorable climate is created for local investment. It becomes more viable for people to invest where they live their lives and create more resilient communities.

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