“How can you finance large amounts when money
is perishable?”
“Through loans. Both parties benefit from
these. The lender gets their money back in full at the time agreed. If they
hadn’t granted a loan, their money would have become less because of its
transience. The borrower gets an interest-free loan. Here we have a classic
win-win situation.”
“I didn’t quite understand that.“
“Imagine a young family would like to build a
house and they need a loan for this, let’s say 100,000 gradidos. Other people
have a lot of money on their accounts, which would have vanished after a few
years. They give the young family loans to the total amount of 100,000 gradidos
and the family uses the money to build their house. They pay back the loan in a
few years and the lenders have their 100,000 gradidos back in full.”
“That sounds quite simple and logical. Do such
things as investments exist?“
“Yes, on one hand, you can lend your money by
giving loans and, on the other, you can participate in projects, rather like
your shares. However, the need for loans and investments has decreased. After
all, everyone is provided for all the time. So they don’t need to accumulate
money any more to guard against hard times. The fear of not being provided for
has disappeared. We all live much more in the here and now. And we are provided
for in the here and now. We often give away a large part of our superfluous
money.”
“Really?“
“Yes, when someone is planning a project and
still needs more money they write to their friends. The ones who like the
project support the person and pass on the request to their friends. So it can
happen that the person gets a lot of support from people they didn’t even know
beforehand. We call this here-and-now financing.”
“And it works?“
“It depends on the people and the project.
Ego-trips can’t be financed like that. You also have donations. You on earth
mostly donate to a good cause, for example to help people in need. With us there
is nobody in need anymore but there are a lot of good causes. The third
syllable of gradido, the “do” stands for »donation«.
“And you really are so generous?“
“Some people more, others less – everyone
according to their wish. After all, we have money in abundance. If we try to
keep it, it melts away between our fingers. And we get more and more new
friends by helping each other. If we need something some day, we will also be
helped.”
“That reminds me of the donation buttons we
often find on the websites of providers of free software or other free content
on the internet. It is a great thing: everyone is allowed to download the
software or information free of charge, copy it and pass it on to friends. If
you like the thing, you send a donation to the author. Good things can be
quickly spread over the whole world without any marketing costs and the authors
get money to continue their valuable work.”
“Yes, open source, Creative Commons and similar
initiatives are already bridges to the new era. In this way projects which
would otherwise hardly be possible can be realised. With our free donations it
is similar: we give money to others to help them realise their wishes and
projects. We have money in abundance and it’s easy for us to make donations. In
addition, there is the feeling of having helped others. Are you happy too, when
you can help others?”
“Yes, when I do it completely of my own free
will, no matter if someone expects it of me or not. Then I feel good.”
“That’s how it is with the system of free
gifts. It’s completely voluntary and it’s fun. Besides that, we see the whole
thing more like a game.”
“A game?“
“Yes, money doesn’t have nearly as much
importance as it does with you. Since everyone has plenty, you can’t use money
to force someone to do something anymore. Money is only a means of motivation,
not an instrument of power. Everything has got more playful. Work is play,
commerce is play. Anyone who doesn’t want to play the game has a bit less money
but still more than enough to live on.”
“Is there still competition?“
“In a sporting sense, yes. Certainly some
enterprises are more successful than others. But there are no real losers
anymore.”
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