What should be the trade-off between personal desires and social needs? Consider the fundamental principle of the whole of human civilization “the circulation of money”. What should be the total volume of money supply in the world ?, unconditionally proportional to the amount of goods produced in the world or generated electric energy, as the most accurate equivalent of these goods, but also proportional to the number of constantly growing world population. With a fixed amount of money, people simply have nothing to buy the goods and products they need, and manufacturers do not need to increase production — there will be no effective demand. That is, the money supply should increase, with an increase in the volume of electricity production and increase in the population.
How much should the money supply increase? What should be the proportionality factor between money and energy? The concepts of humanity and justice suggest that in all social groups, strata, clans, regardless of their geographic location, state or religious affiliation, a minimum level of personal consumption of citizens, from birth to death, must be ensured. That is, after the World Bank, humankind is simply obliged to create the World Social Security and Pension Fund (FSF), coordinating its work with national funds and ensuring the survival of the population where local government institutions fail or simply do not exist. The volume of money supply emitted by the FSF should be proportional to the number of the population and its way of life, that is, to physical factors of the environment.
The next question, the most socially acute, is the issue of distribution — the redistribution of money in society, and in the foreground is the bank interest. From a mathematical point of view, the issue of the circulation of money supply is similar to the circulation of water from the pool to the pool, given the fact that the pipes are constantly changing their diameter, length and location. Accordingly, for a stable existence of the system, the rules of distribution-redistribution should also be constantly adjusted. That is, a “floating” tax interest is needed, a fixed tax rate is possible only in case of a failure of the banking system to collect interest. With such a system, only payments for banking operations remain (of course, subject to timely return of funds), the bank should only have money “earned” by it (payments for account servicing), nothing more, otherwise all cash will soon be in one-two-three pods and ... depreciates, since it can no longer go back to the person and turn into a product or service. Depreciation occurs through the exchange of money for securities, artificial growth of their value and subsequent devaluation in one form or another. Since it is impossible to simultaneously abandon the existing banking system, it is necessary to create a world credit bank (WKB) or an interconnected system of state credit banks (GKB) and a parallel system of "electronic money". At the same time, it would be advisable to reduce the speculative value of securities by introducing time limits for the sale (pledge, donation), for example, no earlier than one year after purchase.
These financial institutions (credit banks and social pension funds) need to be supplemented with a management and pricing system for the production of consumer goods, housing, housing and public utilities, and transportation (intracity and intercity). For enterprises producing goods and essential goods, as well as builders of mass housing, a minimum percentage of the final (retail) price of goods must be guaranteed. This will make senseless its resale through a chain of intermediaries. For housing commissioned, clear restrictions on its size and location are required, then if the standard size and location of buildings near lakes and rivers is exceeded, while citizens have limited access to natural objects, as well as simple non-populated housing, significant coefficients will be applied to taxes, charges and payments for heating buildings. But the development of transport infrastructure and housing and communal services is possible only with the return of the priority right of the state and the municipalities representing it to land of all forms of ownership and apartment buildings. At the same time, apartment owners remain owners of apartments and can participate in the management of the house and the adjacent territory by creating a HOA, and the state (municipality) becomes the ultimate owner and gets the right to make final decisions on all issues of housing and communal services and land use, as well as priority right the purchase of apartments from their own housing stock (in front of other buyers, with equal offer prices).
The restriction of land speculation in the construction of transport infrastructure and other socially important objects should obviously take place in the form of identifying other sections of the same area and building equivalent new housing instead of the one that was withdrawn. Private ownership of land should be replaced with the right of unlimited use with the right to transfer by inheritance and the right to resell the right to use.
Thus, a system of commodity-money turnover will be formed less dependent on the current market situation and jumps in stock market indices and more focused on real sectors of the economy. For private commercial banks, there remains a fairly wide field of activity in the field of expensive real estate, luxury car manufacturing, and expensive luxury goods.