What is happening right now? People are being forced to pay taxes. A powerful tax system is being established, aimed at squeezing households and businesses. As always, any system based on violence is imperfect. Is it possible to create a situation where people pay taxes voluntarily and, moreover, eagerly desire to do so?
It’s possible. And this can be done by eliminating anonymity. money. In one way or another, what taxes are spent on is taken away from the real investor — the individual citizen. And the use of these investment items is free for everyone, whether it’s a bridge or an airport, a sewage collector or an excavator. This creates opportunities for theft and abuse, as well as a sense of injustice when you pay for something you didn’t request. As a resident of Kyiv, I don’t need a bridge in Zaporizhzhia, just as a resident of Zaporizhzhia doesn’t need a bridge in Kyiv.
And now let’s imagine that we have a magical tool for tracking each person’s contributions, one that allows everyone to choose what they want to invest their money in. For example, here’s… So. It turns out that a specific bridge or a specific tank has specific owners, albeit somewhat vague ones.
But if there are specific owners of an asset, they have the right to a specific income from the operation of that asset. Everyone who crosses the bridge will have to pay the owners of that bridge. We are completely eliminating the concept of “free” use of state resources and assets. Everyone pays. And for the tank, they pay too.
But where will people get the money to pay literally for everything: for sidewalks, for public transport at real prices? After all, anyone can pay for the creation of various essential communal assets and earn income from them. Universal clearing solves the payment issues. And such a system will magically encourage everyone to invest in the development of infrastructure, hospitals, schools, universities, and research institutes—all of which have so far been funded by the state through taxes collected from the population.
Want a comfortable retirement? Invest. Want to provide an education for your children? Invest. Want free subway rides? Invest. It’s beautiful! Don’t want to invest? That’s fine, but you’ll have to pay for everything without the option of clearing. That’s also an option, especially if you live in a mansion and don’t use public services often enough to want to spend money on them.
Practically global free access is a necessary measure that society has adopted, finding itself unable to conduct such large-scale accounting and clearing operations. But now we are on the brink of a technological breakthrough that will allow everything to be accounted for, and most importantly, you won’t need to take out your wallet. You will be recognized by face, and the payment will be deducted from your account automatically. Essentially, we are talking about “ Crowd funding “on a national scale.”
P.S. A good illustration of how the world is moving in this direction with the development of technology—from a solidarity-based funding system to a personalized one—is that personalized systems are already being implemented in the most critical sectors that were previously funded solely by the state. In the West, this transition began a couple of decades ago. Here, it is just starting. We are talking about health insurance and personalized pension provision—things that are simply unimaginable without servers, computers, databases, and automated settlement and clearing systems. Essentially, the government is left with only the maintenance of its own apparatus, law enforcement, roads, and sewage and water supply systems :-). But all of this can and should also be personalized. It would be a good idea to start by establishing transparency in the finances of each housing maintenance organization. This could even be introduced as an experiment.