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TC Economics

Collective Capitalism


The US central bank is a union of privately-owned banking corporations called the Federal Reserve. The Federal Reserve represents the interests of the plutocratic class whose political representatives control the Democratic and Republican parties. The Federal Reserve has been granted a legal monopoly over the US monetary and banking system, giving it an unlimited ability to inflate the money supply and create legal tender for its member banks for any reason. Due to the Federal Reserve policies inflation has risen 2,804% since 1913, effectively eradicating American families' purchasing power while ensuring banking corporations and their benefactors enjoy limitless access to capital. This system is explicitly designed for and incentivizes crony capitalism and breeds widespread regulatory capture throughout the American system. Plutocrats in conjunction with Democrats and Republicans have systematically crafted an economy that benefits the plutocratic crony-capitalist class, devalues working-class economic power, and transfers American wealth through corporate welfare and bailouts to Wall Street corporations and their shareholders. The majority of federal lawmakers in the 116th Congress were millionaires who represent the top 10% of American households which hold more than 89% of all available equity in corporations, the top 1% controlling more than twice as much equity as the bottom 50% combined. Since 1989 the top 10% of Americans collectively grew their wealth to $78T from $12.4T (529% increase) and gained a 9% share of the total US economy, the top 1% capturing 96% of the growth. Simultaneously the bottom 90% grew their wealth to $31T from $8.1T (283% increase) but lost a 9% share of the US economy. During that same time, the median household income went from $61,610(1989-adjusted) to $67,521, a 9.6% increase while inflation rose 108%. The current State-Capitalist enterprise is a weaponized economic system designed to extract the wealth and resources of the American people and to perpetuate a system of debt slavery managed through the Federal Reserve System and its member banks. The Federal Reserve system is the definition of a trickle-down economic system where the plutocratic class act as feudal lords, directing the sovereign’s capital investments and reaping the benefits, all while costs are levied on the working class. We propose a new economic order that mobilizes working class wealth, weaponizes consumer markets, and generates political and economic benefits for members. Our economic system leverages and exploits the power of the consumer economy to target industries, companies, products, and services of strategic interests owned, controlled, or threatened by Wall Street or other hostile actors, agencies, or organizations and acquire or absorb their assets into a collective economic system that promotes individual and collective prosperity by eliminating crony-capitalism and creating a free and independent market regulated directly by members.

1. Introduction

Money is a social utility and civilizational necessity. Money buys people and resources which produce labor. Economies are dependent on money.

Money is power, debt, and labor. Money is the primary modern means of production. Labor produces products, services, and the things society needs to survive, evolve, and expand. Whoever controls the creation of money, controls its access, and distributes its benefits. The creation of money is the domain of sovereigns.

Sovereigns create societies that are rules-based systems through which participants must engage. Any system that is defined will be corrupted, manipulated, or gamed and every mechanism will be exploited in pursuit of power.

Political systems are games of power to control the state’s monopoly on violence and utilization of collective resources in support of ideological goals. Power, as an element of reality, consumes and concentrates. The gravity of power controls human civilization. Those with power are forced to consume power, at all costs, or be consumed by a greater power.

The founders of the United States over 200 years ago issued warnings about organizations and individuals who seek power.


"However [political parties] may now and then answer popular ends, they are likely in the course of time and things, to become potent engines, by which cunning, ambitious, and unprincipled men will be enabled to subvert the power of the people and to usurp for themselves the reins of government, destroying afterwards the very engines which have lifted them to unjust dominion."



"If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around them will deprive the people of all property until their children wake up homeless on the continent their Fathers conquered... I believe that banking institutions are more dangerous to our liberties than standing armies... The issuing power should be taken from the banks and restored to the people, to whom it properly belongs."



"The mischief springs from the power which the moneyed interest derives from a paper currency which they are able to control, from the multitude of corporations with exclusive privileges which they have succeeded in obtaining in the different States, and which are employed altogether for their benefit; and unless you become more watchful in your States and check this spirit of monopoly and thirst for exclusive privileges you will in the end find that the most important powers of Government have been given or bartered away, and the control over your dearest interests has passed into the hands of these corporations."



Through the Federal Reserve, a union of privately owned banks, hostile and malicious plutocrats control the issue of currency, inflate and deflate the money supply, subvert the power of the people, usurp the reins of government, and derive exclusive privileges for its shareholders.

In December of 1913, the Federal Reserve System, created by Democrat Congressman Carter Glass and Senator Robert L. Owen, was voted on and approved by the Democrat-controlled Senate and Congress. The Federal Reserve Act made its way to Democrat President Woodrow Wilson whose signature created the union of banks. 

In the Federal Reserve System, privately owned banks control twelve regional Federal Reserve Banks. A controlling interest is placed in a board filled with presidential appointees. The regional reserve banks are organized as corporations and empowered by Congress to distribute currency and regulate its value under policies set by the Federal Open Market Committee (FOMC) and the Board of Governors.

Legal cases involving the Federal Reserve Banks have concluded that they are neither “private” nor “governmental” as a general rule but may be treated as either depending on the particular law at issue. 

On September 30th, 1941, the House Committee on Banking and Currency had Federal Reserve Chairman, Marriner Eccles, testify in Congress. The Chairman affirmed that money is debt in the US system.  Chairman Eccles also confirmed that the Federal Reserve is a private bank owned by the shareholders, its member banks. The Chairman detailed that the Federal Reserve can create money (debt) for whatever purpose they choose to supply their members with funding.

In 1951, a Democrat-controlled Congress, Senate, and Executive Branch announced an agreement to give the Federal Reserve autonomy, granting it greater power with less government oversight and accountability.

In 1971, Republican President Richard Nixon removed the US from the gold standard and officially transitioned the US Economy into a total fiat system, owned and controlled by the shareholders of the Federal Reserve. Americans were forcefully transformed into financial serfs whose labor was used as collateral to back the inflation created by Federal Reserve member banks.

In 1980, Democrat President Jimmy Carter, with the Democrat Senate, and House passed the Monetary Control Act which forced all U.S. banks to be subservient to the Federal Reserve. Subsequently, merger rules were relaxed, and institutions were allowed to charge any loan interest rates they chose.

The Reaganomics of the Democrat and Republican parties resulted in deregulation for the banking industry and saw Savings and Loan institutions engaging in high-risk speculative gambling activities. Depositors in S&Ls continued to funnel money into these risky endeavors because their deposits were insured by the Federal Savings and Loan Insurance Corporation (FSLIC). The government guarantees ultimately led to the Savings and Loan Crisis, which resulted in one of the largest government bailouts in U.S. history, costing approximately $124B. The US Government bailed out privately owned banking corporations with US taxpayer money.

Democrat President Bill Clinton along with a Republican Congress and Senate further deregulated the banking industry by eradicating the Glass-Steagall Act with the Gramm-Leach-Bliley Act allowing commercial and investment banks to merge. The direct result was the banking industry giants became Too Big To Fail in the 2007/08 Global Financial Crisis.

On March 6, 2013, Democrat US Attorney General Eric Holder testified to the Democrat-controlled Senate Judiciary Committee that the plutocratic class is above the law and that the size of large financial institutions has made it difficult for the Justice Department to bring criminal charges when they are suspected of crimes because such charges can threaten the existence of a bank and therefore their interconnectedness may endanger the national or global economy.

The subjugation of the US Government by the shareholders of the Federal Reserve was successful nearly 100 years after its creation. The Federal Reserve and its members have been given special status within American society, insulated from their failures, bailed out with taxpayer funds, and are effectively immune from criminal charges. They are the largest recipients of American welfare and legal protections due to Democrat and Republican policies.

The United States is a State-Capitalist society in which the plutocracy and the political class have conspired, colluded, and worked in concerted efforts to extract and consolidate American wealth into the fewest hands possible utilizing the government’s monopoly on violence and corporate personhood.

We propose a new collective economic system owned, controlled, and directed by individual members through direct democracy. TC Economics is a Collective-Capitalist system designed to build, capture, and control economic assets and infrastructure through collective economic actions and provide its members with security against historical and future economic threats to their sovereignty, freedom, and prosperity.

2. American State-Capitalism

The Federal Reserve is a State enterprise that merges the interests of plutocracy with the American State. It exists because of government legislation and continues to operate under a monopoly given to it by the US government over the monetary system. The Federal Reserve note is a sovereign debt payable by the US government and its citizens. Sovereignty is the domain of Nation-States, as an issuer of sovereign debt, the Federal Reserve is legally joined to US Federal Government.

State capitalism is an economic system in which the state undertakes business and commercial (i.e., for-profit) economic activity and where the means of production are nationalized as state-owned enterprises including the processes of capital accumulation, centralized management, and wage labor, all conditions which are satisfied through the Federal Reserve.

The definition can also include the state dominance of corporatized government agencies (agencies organized along business-management practices) or of public companies such as publicly listed corporations in which the state has controlling shares, again all conditions which are satisfied by the Federal Reserve.

The United States is a State-Capitalist enterprise with the Federal Reserve Banks. There is no separation between the Federal Reserve and the US Federal Government. The Federal Reserve was created to serve as a union for plutocratic interests, operate in grey areas of law, and with official sponsorship of the US Government. The union is overseen by political representation selected and approved by the Democrat and Republican parties.

American State-Capitalism is the monetization of citizens and consumers for the benefit of the plutocratic class. Inflation, anti-regulation, corporate welfare, and a myriad of other economic realities are strategies utilized by the State-Capitalist to transfer wealth, resources, and power under the legal authority of the United States Government.

3. Economic Warfare

Economic warfare aims to capture or otherwise control the supply of economic resources and secure their use so oppositional forces cannot gain their benefit. There is only one primary resource in all economic systems, people and their labor. Money is debt and debt is labor. Those that control the money, control the labor.

The rich have become wealthier with every national emergency, their corporations have displaced American jobs and manufacturing to foreign nations, and the poorest 90% of American households lost a 9% share of the US economy since 1989. By every measurable metric of the Federal Reserve and Wall Street, the plutocracy has waged economic warfare against the American people for a century with the assistance and approval of the Democratic and Republican parties.

Nearly all major US corporations have common shareholders such as BlackRock, Vanguard, Fidelity, State Street Global Advisors, Capital Group, and many other prominent capital management organizations. These organizations work with Primary Dealers and the largest banking organizations to inflate the money supply, consolidate assets and resources, and further fund offensive or damaging commercial operations against the American people. Scholars and executives alike have criticized Wall Street not only for promoting short-term thinking but for sacrificing the interests of employees and customers (Americans) to benefit shareholders’ interests.

Corporations are unions of individuals pursuing a common commercial purpose. Shareholders are the owners of these corporate entities. From shareholders to executives, individuals are making the conscious decisions to support Wall Street’s economic warfare against the American people, the restriction of American freedoms, the suppression of American wages, and to profit from American suffering. The people in control of decision-making for these organizations make up less than 0.01% of the population.

The surveillance-capitalist industry operates as an intelligence-gathering operation and creates intelligence products that provide other corporations, industries, sectors, or operations with Americans’ personal data to better target, influence, and manipulate their thoughts and actions.

Wall Street organizations are the largest data companies in the US; Facebook, Google, Amazon, Apple, and Microsoft operate with combined revenue of over $1T annually and a market valuation of $8T.

These corporations connect the majority of the estimated 93% of Americans (312M people) to the digital world. Digital technology has empowered the advertising industry in the US to generate approximately $296B annually by targeting and manipulating Americans of all ages.

Corporate media is used for shaping operations; crafting a public narrative, driving divisive culture wars, and redirecting energy or attention away from the plutocratic and political class as needed. Six big media companies own most of mass media consumption and distribution with some estimates claiming as much as 90% control.

Wall Street owns the media, internet, food, retail, and nearly every major economic necessity of modern life. It has shown decade after decade that it will sacrifice American livelihoods, quality of life, and national security in pursuit of profits for its shareholders.

Since 1913 and with each passing decade the US banking system, its member corporations, and their shareholders have acquired more power, immunity, and wealth at the expense of the American people and the people of the world.

Americans are in a generational war against a plutocracy that seeks to subjugate them by any means necessary and at any cost.

4. Collective Economics

Collective economics is when a group of individuals pool their capital, assets, or labor together to benefit from common interests. Economic unions allow a group of individuals or commercial entities to organize, manage, and exert their economic power in the domestic and international economies.

The Federal Reserve is an apex economic union for banking corporations that have proven hyper-effective at exerting and furthering its members’ economic prosperity through collective economics. Without the support of the US Federal Government and the Democrat and Republican parties, the banking corporations would never have prospered as much as they have as individual competing organizations.

Unions, cooperatives, membership organizations like Costco, and Decentralized Autonomous Organizations (DAOs) are forms of collective economic operations that are in use, every day, to serve the economic interests of their members.

 Offensive forms of collective economics can be seen in the BDS movement, cancel culture, and other social movements or government sanctions that mobilize a collective conscious divestment of a product, service, or entity.

All economic systems survive and thrive through collective economics.

5. Collective Capitalism

Capitalism is defined as an economic system based on the private ownership of the means of production and their operation for profit. Collective-Capitalism is defined as a collective enterprise consensually entered and democratically controlled by private individuals to further their economic security, capabilities, and prosperity.  

A collective capitalist system organizes an economic union around individuals, their capital, and labor while mobilizing collective offensive and defensive economic activities to secure individual and collective benefits. It operates as a social enterprise, aligning members’ economic interests and pooling their attention, engagement, capital, labor, and resources in collective efforts to capture, obtain, and consolidate hostile or strategic assets from competing interests.

Corporations and commercial entities are collective enterprises where shareholders wield power and make collective decisions. Economies are collective enterprises where power rests with people and how they ultimately control their individual labor and consumption. In the end, all governments and corporations must answer to the will of the people if the people choose to express their economic power.

Economic unionization for the purpose of creating a member-regulated economy, marketplace, and asset exchange transfer the balance of economic power into the hands of people and away from captive political and regulatory bodies controlled by plutocratic interests.

An economic union is a private-collective economy subject to the rules and regulations of the Nation-State but has the full ability to exercise sovereign power within its economic domain through terms of service and the legal ability to contract. It is a government that answers directly to the will of its members.

The power of economic unions is directly proportional to the size of its member base, the capital they control, and the ability to collectively organize and mobilize the economic activity of its members to produce beneficial economic outcomes and opportunities.

Collective capitalism and economic unionization are non-violent economic strategies that empower individuals to reshape economies, secure rights, privileges, and promote members' economic interests domestically and internationally.

6. The Collective Economy

The Collective Economy (TCE) is a Collective-Capitalist member-controlled economy that competes for consumers in every product, service, and offering available through Wall Street and other competitive systems.

It is purpose-built to put regulatory authority and control in the hands of individual members instead agencies or industry watchdogs thereby decentralizing power, incentivizing collective agreement, and capitalizing on the weaknesses in the current economic order.

TCE jeopardizes an estimated 43% of the total accumulated wealth of the top 10% of American households ($43T) through their Wall Street holdings by creating a competitive economic system that attracts capital and puts its members’ interests above Wall Street shareholders.

7. Economic Union

The Collective Economy (TCE) is governed by an Economic Union that receives its mandate from members through a direct democratic process; one member, one vote. The Economic Union is formed through a Constitutional Convention and secured through the unionization of the economic and intellectual power of its members.

Constitutional governance is security through transparency and provides the foundation for the Economic Union to appeal to the masses through equality amongst members in voting rights, benefits, and power.  

A constitutional framework provides long-term stability, security, and the legal transparency necessary to create a level of trust with its members that is unobtainable by traditional corporations, political entities, and governments.

Members elect the leadership and limit their term cycles, pay rates, and benefits. Consensus and acceptance of votes and actions are 60% in favor. Ensuring that proposals and actions reflect the will of the majority.

One member, one vote provides the most resilient system to subversion, subterfuge, and hostile takeovers by ideological factions and state intelligence operations. A direct democracy increases the time, labor, and costs incurred by hostile or ideological actors influence operations.

An economic union organizes and mobilizes the economic needs of its members and amplifies their economic power by operating as a collective and entering into purchasing agreements, investments, and other commercial activities that directly benefit the membership.

Economic Unionization:

Members commit $5 a month towards a collective goal

  • 100 Members - $6,000 annual budget

  • 1,000 Members - $60,000 annual budget

  • 10,000 Members - $600,000 annual budget

  • 100,000 Members - $6,000,000 annual budget

  • 1,000,000 Members - $60,000,000 annual budget

  • 10,000,000 Members - $600,000,000 annual budget

  • 100,000,000 Members - $6,000,000,000 annual budget

The economics of unionization can be shown in consumer purchasing power. An individual purchasing a $5 product produces $5 in revenue for the corporation selling the product. 100 Million individuals purchasing that $5 product produces $500 Million in revenue. If that product is purchased every month by 100 million individuals it produces $6 Billion in revenue making the company that sells the product the 487th largest corporation by revenue in the United States in 2020.

The Collective Economy (TCE) offers individuals the ability to opt out of surveillance capitalism and into an economy that provides the tools and technology necessary to own and control their digital identities and personal data.

Individuals consent to membership and are bound by the Economic Union’s constitution and policies when operating within The Collective Economy (TCE). They are provided access to open-source digital utilities as alternatives to Big Tech platforms.

Sovereignty over digital engagements and transactions starts with identity and asset control. The power to limit personal identifying information that corporations have access to further transforms the power dynamic in the global economy.

Giving members the ability to participate or secure themselves from the information warfare arena reduces the effectiveness of influence campaigns, manipulative advertising, and disinformation by limiting the ability to target members without their consent.

9. Economic Unionization

The Economic Union provides communication, social, e-commerce, and streaming services that allow members of The Collective Economy (TCE) to engage corporations and legal entities through a regulated open-source digital economic infrastructure where Members create the rules, regulations, policies, and own the personal data they create.

The Collective Economy (TCE) aligns with the majority of the 331M individuals living in the United States by giving each legal adult the ability to opt-in to an economy where their voice and regulatory power against commercial entities is sovereign.

As membership to The Collective Economy (TCE) grows, the greater purchasing power the Economic Union influences in the consumer market.

With the members acting as economic sovereigns they can employ the same economic warfare tactics as Nation-States. Members of TCE can vote at any time to sanction specific individuals, corporations, or organizations that have proven hostile to members. Wall Street corporations can be permitted to operate within TCE, they can be taxed, or banned outright from having a presence.

By providing members the sovereign ability to control their digital interactions and engagements with commercial entities, The Collective Economy (TCE) transfers power to the individuals and gives them the ability to easily divest or migrate the capital, labor, and assets out of the Wall Street Economy (WSE).

In an infinitely long game in accordance with game theory, The Collective Economy (TCE) competes against Wall Street in a battle of hearts and minds. Creating a framework around each economy’s ability to serve and support the consumer. Wall Street is either forced to realign its operations to benefit consumers or see market share gradually eroded over time.

The global economic environment is pushed into a zero-sum game between Wall Street and The Collective Economy (TCE) where governments, individuals, and corporations’ relationships are based on their support of Wall Street shareholders.

10. Economic Diversion

Diverting consumer purchasing starves Wall Street and hostile operations of critical resources and greatly devalues their commercial enterprises in the stock market.

Walmart ($560 Billion) and Amazon ($368 Billion) are the two largest consumer marketplaces in the US. An estimated 70% of Amazon’s revenue is through shopping and marketplace services (est. $257 Billion). Collectively Walmart and Amazon service the equivalent of $928 Billion in consumer spending by servicing the same consumer need in different ways.

If you factor in Costco ($152 Billion), Kroger ($122 Billion), and Target ($72 Billion), Americans account for a large majority of the $1.28 Trillion revenue generated by America’s 5 largest consumer retailers. Without a steady stream of consumers, these Wall Street corporations and their shareholders would lose trillions in accumulated asset wealth.

If the average consumer spends $300 a month on consumer purchases, with 100 Million members (38% of US adults) $30 Billion in purchasing power a month or $360 Billion a year is achieved. If a single company was responsible for generating $360 Billion annually it would be the 3rd largest US corporation by revenue, right behind Amazon at $386 Billion.

11. Decentralizing Power

Only a few select states and the federal government have the resources and power to take on the largest Wall Street corporations. State-Capitalism centralizes power in a plutocratic ruling class that manages and directs the political class and government institutions. Control over government is far easier to achieve than control over 331M individuals of diverse cultures, backgrounds, and experiences.

Agencies, regulators, and politicians have been subjugated by Wall Street interests. Hostile actors and adversaries only need to focus their resources on less than 20K people (0.006%) to gain exponential economic benefits within the American system. At the highest level, less than 600 people (0.0002%) control federal law enforcement and regulatory agencies.

The centralization of economic decision-making and regulatory capabilities is harmful to the bottom 90% of American households. The Collective Economy (TCE) decouples regulatory authority from the political class through the Economic Union.

Standard terms of use and contractual agreements are within the existing legal frameworks and can are used to inverse the power dynamics in today’s economy.

All commercial entities agree to the regulations and policies to be able to operate commercially within The Collective Economy (TCE). The regulations and policies are governed by the Economic Union whose members vote directly on all matters.

Corporations and commercial operations that wish to gain access to the wealth, capital, and assets of The Collective Economy (TCE) will agree to the governing law of the economy and subjugate themselves to the market forces of an empowered consumer body.

If the government, law enforcement, and regulators fail to act against hostile operations, members can enact their own sanctions and divestments against specific individuals or organizations. It is only a matter of time before the weight of the Economic Union is equal to or greater than modern Nation-States. Much like the de-platforming of former President Trump, corporations could see themselves excluded from a modern local-to-national member economy generating over $1 Trillion in GDP in the future.

Direct democracy is the collective operating system that decentralizes power to the greatest degree. It also creates an economic nervous system that greatly accelerates members' abilities to react to hostile or harmful economic actions across the social-political-economic spectrum.

The Economic Union collectivizes the economic threats while decentralizing decision-making power to members. Every member is a consumer, and every consumer is a voter. Hostile activity against the Economic Union is hostile activity against voters.

Every individual is incentivized to respond to economic hostilities which force corporations and politicians to appeal to the greatest number of members in their operations and activities. Members, people, are the final decision-makers, the Economic Union is simply a vehicle for collective action.

12. Bill Of Rights

A direct democracy accelerates the development of consumer protections that benefit the greatest number of people. The market reacts in real-time to the issues it faces and adjusts itself according to its needs. This enables the expansion of the consumer bill of rights through market forces and removes the hostile barriers put in place through the captive political system.