To get discussion moving, I would like to propose a few questions.
The first question will take some research. If you have not already read my chapter on 21st Century Living, which discribes how union and employee-owned firms of the future might provide equal pay, housing finance, financial services and trainining to their employee-owners. Please take a few minutes and read these essays at
The question is, if employees grow their own food, have housing, education and health care provided by their employers with a wage tied to their family size (subsidized by taxes at first) and invest a portion of their earnings in the firm as their retirement plan - in otherwords, if almost all of their economic transactions are internal to the workplace that they own, is there any residual need for dealing with the problem of A+ B? If there is, might it be satisified by their cooperative borrowing for capital improvements and credit for housing at the discount window of the central bank (rather than giving them individual accounts)?
I will send the second question shortly.
Mike Bindner