• Debit-Credit Economy For All Citizens

    From abhiriksh@gmail.com@21:1/5 to All on Fri Oct 12 00:33:22 2018
    You should read only debit-credit economy part in this document. After grasping it, you will know that it will solve all finance related crimes and it will speed up economic growth thousands of times.
    Personal desideratum


    I must get enough money to live remaining life comfortabley and after my death my dead body must be flown into the Sun.


    Desideratums of Force


    These desideratums must be implemented on the Earth and all Planets in the Universe. Whether you choose to implement these desideratums or choose to ignore them, the fallout is between you and the Force. I got nothing to do with it.


    DESIDERATUMS


    * There will not be any political parties in the State and no traditional democratic elections will be conducted in the State. 


    * Guardian will be the only Supreme Leader of the State and he will have command to do absolutely everything in the framework of these desideratums.


    ∆ Selection of Guardian


    * The state will be divided into 1836 areas. In the beginning of his career, the person will have to physically stay atleast for five years in one of these areas randomly allocated to him/her by the system. During these five years, the person will have
    to secure at least 1826 recommendations from the people of that area. After 5 years, he/she can choose to stay anywhere, but will have to secure another 1826 recommendations. After 10 years and 3652 recommendations, he/she will be called 'Element'. It is
    to be remembered that the person who has recommended this Element can de-recommend him/her anytime. And just before the Drawen genuineness of all recommendations will be verified by different methods.


    " Only people above age of 46 and below age of 75 will be able to recommend the Element. These people will be called 'Primers'. Every such primer will have to recommend one element. In case of wrong decision, he/she will be allowed to de-recommend
    element and recommend another element. But the primer will have only two chances of recommendations (and de-recommendations) in his life.


    * Only Elements above age of 46 and below age of 65 can participate in Drawen. The Elements can accrue as many recommendations as they can during their lifetime. One recommendation will be treated as one ticket. Out of all these tickets of all Elements,
    a Element will be chosen by the Force for Guardianship. For this selection, a random drawen will be conducted. The Element who has higher number of recommendations will have higher chances of winning, but the Force can choose any element. After this
    another drawen will be conducted to decide for how many months the Guardian can rule. For this 132 tickets representing months from 1 to 132 will be used. (Average human life - 79 years. 79*13.9282% = 11 years. Also solar cycle = 11 years)


    * The Element who has served as Guardian will not be able to participate in another drawen for second term.;


    * To run the business of state, Guardian should choose people already liked by the people on the system for specific job. But the Guardian will have freedom to choose anyone. The Guardian can appoint some Element for the job.


    * A separate system - completely disconnected from the internet - will be developed. Primary aim of this system will be to manage Debit-Credit economy. Posting videos, audios, images, text etc will be allowed as through such postings people can earn
    money.


    * Universal Identification Number (UIN) will be allotted to every citizen. This UIN will be the only id alloted  to the citizen. If it  becomes necessary to allot  some other id to the citizen, some digits will be added after UIN number. For example,
    if a citizen  has UIN 123456789, his or her cellphone number will be same. But if citizen want to keep their cellphone number private, some secret digits like 1234 will be added to UIN and their cellphone number will become 1234567891234. In extreme
    circumferences, Guardian can change UIN of a affected person so that affected person can re-start his/her life in some part of the universe.


    * Every citizen will have a cellphone (henceforth called 'cell') which will also be used as e-wallet. If Bluetooth of cell is on, E-wallet (henceforth called 'wallet') app will keep working in the background and it will keep searching other wallets
    through Bluetooth. Cell will calculate distance of other cells from itself, but will not display info of other cells on screen. When cell of citizen A is less than thirty centimetres away from cell of citizen B, only then just names of A and B will
    appear on each other's screen. No other info will be displayed on the screen. Now if A wants to pay amount to B, he will enter just amount and press "send". The payment will be made via central server and hence via satellite.


    ∆ DC Economy


    * One of the main job of Guardian will be to anticipate how many workers in each category are needed in next year and near future. If one farmer produces food for 100 citizens and if there are only 100 citizens in the region, then Guardian will allow
    only one citizen to do farming. Likewise President will anticipate how many builders, engineers, doctors etc are needed in next year and near future. He will publish this data on the system. And accordingly schools and colleges will decide number of
    seats in each category.


    * If a farmer produces rice for 100 citizens everyday by working 24,000 secs i.e 400 minutes per day, then every citizen out of 100 citizens will pay 4 minutes to the farmer as cost of rice. That means each of 100 citizens will work every day for 400
    minutes to earn 400 minutes from other citizens and when they have earned 400 minutes per day, each citizen will spend just 4 minutes to buy rice.


    * It will be assumed that every person will work at least for one month during his or her (henceforth called 'they' in singularity) entire lifetime. So one month's debit i.e 30*400 = 12,000 minutes to their wallet is allowed. That means they can buy
    products worth 12,000 minutes in 30 days. If a person dies without nullifying the debit, the debit will be transferred to his family. If the person has no family, the debit will be transferred to all citizens.


    * A person can choose not to use debit facility. They can choose to directly work and earn credit minutes. But for every debit there is equal and opposite credit and vice-versa. So if they have received credit minutes, someone's wallet account in the
    system is debited. In barter economy, if A and B have exchanged their goods, then it means each one's account is debited and credited at the same time. So they will go home with nil balance in their account, but they have done their business. Both of
    them got what they needed. If account of A is showing debit balance and account of B is showing credit balance, then it means that only B had produced goods on that day and A was sitting idle. Now A has bought goods from B on the promise that A will work
    for B whenever B wants him to work. In everyday life even if everybody works for same amount of time, it is very hard to predict whether goods produced by one person will be liked (and bought) by other person. That is why debit and credit balances will
    keep existing in accounts of citizens.


    * A cameraman works "Behind The Screen" (BTS) to facilitate work of an actor. These BTS personnel are paid. Likewise when a man works in field or office, his wife or mother works at home to facilitate his work. So while calculating cost of product
    produced by him, his wife's or mother's worktime will also be added. It will be assumed that every woman works for 400 minutes per day at home. At the end of the day,  50% of credit balance in the man's account will be automatically transferred to the
    wallet of BTS woman.


    * Parents of every man and woman will compulsory receive some minutes from the earning of their son and daughter which must be enough to support cost of food, clothes, shelter, basic entertainment etc. Every medical facility will be provided to senior
    citizens by the Guardian free of cost for lifetime.


    * Companies will seek investment from citizens directly. Minutes invested by citizens will be credited to special investment code, say account code 9900. All companies will use same account code 9900 to credit investment from citizens. The Guardian will
    cautiously encourage citizens to invest in companies as it is better way of generating jobs. The citizens will be able to sell their shares in any company from their pages on system anytime.


    * After considering amount equal to credit amount in account code 9900, there still may remain credit balance (savings of citizens) in the system. The system will automatically sanction loan to needy citizens. No interest will be charged on loan amount.
    Because interest means expecting loaner to work extra time to produce goods. Even if loaner works extra time, the buyer (s) in the system will also have to work extra time to buy produce of loaner. It's unreasonable to expect citizens to work extra time
    for the loaner. So the other way loaner will choose is to inflate the price of his produce to earn extra minutes. This is also unreasonable to expect citizens to pay more for the goods which have been indirectly produced using their own money.  That
    means it is  unreasonable to force loaner to recover interest amount from citizens and later on pay the same interest amount to same citizens.


    * Maximum 146,000 minutes loan amount will be sanctioned. Maximum term of repayment will be 19 years. Minimum age of loaner will be 23, while maximum age will be 46. The youngest will receive maximum loan amount, while the oldest will receive minimum
    loan amount. The system will prioritise sanctioning of loan as per age and earning history. The loaner will have to list one guarantee. In case of loaner's death, loan amount will be transferred to the guarantee.


    * They citizen (creditor) - whose savings (credit amount) has been diverted as loan to other citizens - won't know it. The credit amount will still appear in his/her account. The loan will be given by debiting other account code (say, code 9901) with
    equal amount. The creditor will be able to withdraw (debit) his/her account by any amount depending upon his saving amount. This debit will go to account code 9902. Loan repayment amount will also be credited to account code 9902. If at the end of the
    day, if account 9902 is showing debit balance of X minutes, then the system will not give loan (from savings of other creditors) of X minutes. And this X credit amount will be transferred to account code 9902 to keep the balance NIL. If the loan
    repayment in account 9902 is more than debit (withdrawals) by creditors, then the balance credit amount will be given as loan to needy citizens.


    * If citizen has declared himself/herself "Ready To Work" and marks secured by the said citizens matches minimum marks requirement of some company, said citizen will be offered choice of one company from said job offering companies. If citizen chooses
    some company, he/she will be automatically empoyed in that company. No written exam or interview will ever be conducted by any private or government company since it has already been done in schools and colleges. 


    * Every citizen will state his employment/work status on his/her page. The citizen will state their skill(s) on their page. If system detects 'unemployed' status on page of citizen, the system will search other expectee citizens who needs citizen with
    that specific skill for work. The system will show list of nearby expectee citizens to unemployed citizens. If a deal is made between expectee citizen and unemployed citizen, the unemployed citizen will tag himself or herself as 'engaged from date to
    date'. The system will ignore the said citizen during his/her engagement work period.


    * There may remain citizens who can't find work. The system will detect debit or nil balance in their accounts and the system will allow debit minutes equal to cost of food everyday until they find work. No time period will be defined for debits allowed
    for food. Once in 9 months said citizens can buy clothes and shoes.


    * Physically and psychologically disabled or incompetent citizens will be moved to shelter. They will be provided basic needs like food, cloth, shelter, entertainment and medicate. No citizen will be allowed to beg or sleep on streets.


    * Any citizen will be able to reward other citizens by clicking "LIKE" on page of other citizens. The Bluetooth will show logos of citizens in 30 meters radius area. After  clicking logo, the page of said citizen will be displayed. After clicking LIKE,
    minimum one second will automatically go to the account of said citizen. The receiver and any other citizen will not be able to know names of citizens who has rewarded him/her. That is necessary to avoid bias of one citizen towards other citizen. The
    Guardian will encourage citizens to reward other citizens who are working honestly, who are providing better service to public, who behave nicely to other citizens or for any good work. It will keep society away from depressive attitude towards each
    other and their work and it will speed up development of society.


    * All items produced by citizens will be account coded. Maximum account coded items will be barcoded. All items can be divided into two main categories; visible and invisible. Following one of these main categories, the item will receive 5 sub categories;
    sub 1 - raw or processed, sub 2 - broad category, sub 3 - specific name, sub 4 - type of item, sub 5 - brand name given by company. For example, 1-1-01-02-04-98 means visible (1) raw (1) food (01) rice (02) basmati (04) Shine (98, name given by company)


    * In items which can be stolen, account code and serial number of item will be incorporated inside atleast the main body of item in such a way that it can be removed by thief only by melting the main body and hence destroying the item. This amount code
    and serial number will be visible to X-RAY machines.


    * The Guardian will recover taxes daily or monthly from accounts of citizens. No sellable item will be taxed. The tax will be X percent of monthly income of citizen and this X percent will be same for rich or poor citizens. The tax will include amount of
    salary payble to government employees, free medicare  funds for govt projects, human life insurance premium, animal life insurance premium, fire and other disaster insurance premium etc. If a citizen choose, he/she will be allowed to increase their life
    insurance premium and other taxable amount, but no citizen will be allowed to lessen tax amount or to argue about it.


    * The citizen who has lost/damaged their cells will be able to pay amount to anyone using their UIN and fingerprint/password from cells of other citizens. System will automatically tag their cell as lost or damaged and until the citizen reaches to the
    system office, their replace-in cell will be ready.


    * The citizen who is trapped in area away from their native place without any available debit facility balance to pay will be able to pay to anyone using cells of other citizens. This facility will be available until the citizen reaches their native
    place. The system will detect nearest route to their native place and the citizen will not be able to pay to anyone outside this route. In future, the system will deduct these expenses from account of said citizen in instalments or lumpsum.


    * Only nicotine in e-cigarettes  and beer/wine will be allowed for recreational purpose. Sell and consumption of any drug except nicotine and alcohol will be banned. Sell and consumption of tobacco in conventional form, chewing of paans will be banned.
    Violation will be punishable with strong penalties. Account coded e-cigarettes and beer/wine will be sold at all shops and no special permission will be required. There will not be any health warnings on e-cigarettes or wine. 750 ml beer (5% alcohol) can
    be bought daily, while Guardian can regulate sell of wine. As wine and beer will be account coded, system will not allow sell or buying of these items beyond stipulated quantities.


    * Transport to any place on planet will be without ticket i.e it will be public funded. Cost of expenses on transport will be deducted as part of tax from accounts of all citizens. Public funded transport will increase travel of citizens and it will help
    to grow tourism and job industry.


    * There will be only one company which will produce all medicine and all health related equipments. CEO of this company will be highest rated doctor or medical research scientist. Guardian will appoint one observer each to this medical company. Profit
    and hence bonus to employees of this company will be decided by ratings from citizens. All medicines and all medical care of citizens will be publicly funded. Doctors and hospitals staff will be rewarded by citizens if they work better.


    * In any kind of job, dislikes from public may result in removal from job or sever warning/pay reduction. Percentage of dislikes to likes for different kind of jobs will be decided by the Guardian.


    * There will not be any restriction on number of research laboratories. Guardian may fund as many research laboratories as necessary.


    * Every day 0.004167% income of all citizens will go to lottery fund. The system will randomly choose one lucky winner and after 0.004167% lottery contribution deduction and deduction of percentage tax amount from winning lottery fund, all the amount
    will go to the account of winner.


    * Companies are better informed, better in creativity, better in doing research and applying modern technologies. They're profit oriented, but they know better how to do work in methodical and fast way and how to keep citizens happy. So maximum possible
    jobs on planet will be done by companies. Electricity production and distribution, house building, farming, shopping, road construction, water supply, gutter and road cleaning etc jobs will be done by companies. Guardian will manage these companies from
    upper end. From lower end, all citizens will manage these companies by clicking likes and dislikes on the system


    * All doctors on planets will be connected to each other via net. Any doctor will be able to see past medical history of any patient. All illness details of patients will be entered into the system compulsory. Prescription entered by doctor will be
    visible to all medical shop managers. The medicine will be given to patients on public fund. The patient will enter his fingerprint into the system after receiving medicines. Any patient will be able to call paramedics anywhere after pressing medical
    emergency buttons in their cell. GPS coordinates of patient will be automatically transmitted to paramedics to locate the patient.


    * Maximum shopping will be done by citizens online through the system. Simple text pages will list all items available for sell in the State. Real price, maximum retail price and current price will be displayed against each item. Citizen just need to
    click 'buy' button. Amount will be automatically deducted from their account. Current address of buyer will be auto displayed to seller and the item(s) bought by the citizen will be sent by the company immediately. Maximum vegetable, fruit, grain
    shopping will be done in same way. The buyer will upload live  video of verification of items received by them to the seller company and system.


    * After entering in premises of some selling company - like cinema theatre - the amount of sellable item will be auto deducted from account of citizens and a screen will be flashed with details.


    * The system will display all transactions of all Guardian branches - except one branch - and those of all companies on demand by any citizen immediately. 


    * The Guardian will form a 'Real Time Verification' (RTV) branch. Members of this RTV branch will verify Real Minutes spent by citizen(s) on producing any item. All Real Minutes will be shown against each item on RTV page. The companies will have to
    print Real Minutes on its product. Company can add Creativity Surcharge Minutes (CSR) to RTV and they can sell the product at extra price to earn profit. If citizens like the product, they will buy it. All companies will be able to increase or decrease
    CSR any day after gap of 24 hours from midnight to midnight and the system will know it. The current purchase price will be displayed on RTV page and in shopping malls.


    * The mother and father should have equal movable and immovable property. If the couple has two children, transfer of property to these two children will be randomly decided by the system. The children will never know whether he/she is going to receive
    mother's property or father's property until the system randomly decides and this random decision will be taken by system only after death of both mother and father. This section will make mothers financially equal to those of fathers as both children
    will insist same amount of property in the name of mother and father.


    * The cost of damage to public property and loss of lives during any kind of riot will be recovered from the accounts of all citizens of that city. This section will help to make citizens aware that if they stay silent to hooliganism, they will have to
    pay.


    ∆ Security


    * Traditional Police department will be eliminated. A new system will be implemented to avoid crimes in the society.


    * Guardian will appoint one Captain per 135 people to keep an eye on the citizens. One male Captain for 135 men and one female Captain for 135 women. The Captain will have permanent residence in his allotted area among 135 people. 135 is comfortably
    small figure. So this Captain will know very detailed profile of each one of 135 people. If some person is about to do some crime, the Captain will sense it before it happens. He will tag potential violaters in the system. The Guardian will solve
    problems of these potential violaters.


    * If crime happens, it will be treated as failure of captain. The Captains will be trained more and more rigorously with evolving knowledge.


    * Absolutely everything - except homes and toilets - will be under camera surveillance. Every citizen will carry 360 degree camera over his/her shoulder. All videos and locations of every citizen will be uploaded to the system.


    * No citizen will be allowed to manufacture weapons or to possess it. The Guardian may choose to give weapon to some or all captains.


    * If the Guardian allows porn, every actor must give statement that she is doing it willingly to earn more money. All porn must be between two people i.e one male and one female. Maximum age difference between male and female will be 7 years. Depiction
    of rape, incest, homosex will be punishable by life imprisonment.


    * There will not be any money related crimes as there will not be any printed currency notes. All debit-credits will have UIN, hence there will not be any corruption.


    ∆ Marriages


    * Marriage will take place between male and female with maximum age difference of 7 years and no blood relationship at least for previous 46 generations.


    * Every town will have in-camera town hall where boy and girl will have to spend at least 30 hours together in one year before they will be allowed to marry. Guardian will appoint lecturers in town hall to inform boys and girls that they must understand
    each other, how to take care of child, problems in married life etc. They will be also informed that it will be extremely difficult to grant divorce. And divorced person will have to find another divorced person to marry (age difference of 7 years).
    Every person will be allowed to marry only twice. Third marriage will be punishable by life imprisonment. So called 'live-in' relationships will also be punishable.


    ∆ Food


    In non-vegetarian food, only meat of chickens and goats will be allowed. Both of these animals must be killed suddenly so that they do not feel pain while dying. They Guardian may or may not allow fish food. Eating food of all other animals will be
    punishable. Cannibalism will be punishable by death penalty.


    ∆ City designs


    * Guardian will take care that all cities, towns, villages has unique design and look beautiful from aerospace. This applies especially to settlements on other planets.

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