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Rethinking Money: How New Currencies Turn Scarcity into Prosperity, by Bernard Lietaer, Jacqui Dunne
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As the United States struggles and the economies of Europe stagger, we fail to see a way out of this agonizing cycle of repeated financial meltdowns. In fact, there are thousands of ways to solve not only our recurring fiscal crises but our ongoing social and ecological debacles as well. Solutions are already in place where terrible problems once existed. The changes came about not through increased conventional taxation, enlightened self-interest, or government programs but by people simply rethinking the concept of money. With this restructuring, everything changes.
In this visionary book, Bernard Lietaer and Jacqui Dunne explore the origins of our current monetary system—built on bank debt and scarcity—revealing the surprising and sometimes shocking ways its unconscious limitations give rise to so many serious problems. But there is hope. The authors present stories of ordinary people and their communities using new money, working in cooperation with national currencies, to strengthen local economies, create work, beautify cities, and provide education—and so much more is possible. These real-world examples are just the tip of the iceberg—over 4,000 cooperative currencies are already in existence.
The book provides remedies for challenges faced by governments, businesses, nonprofits, local communities, and even banks. It demystifies a complex and critically important topic and will strike a deep chord with readers eager to find innovative, meaningful solutions that will do far more than restore prosperity—it will provide the framework for an era of sustainable abundance.
- Sales Rank: #711939 in eBooks
- Published on: 2013-01-04
- Released on: 2013-01-04
- Format: Kindle eBook
Review
“Lietaer and Dunne have done a superb job in chronicling the quiet, underreported revolution for empowerment and equality that is happening worldwide.”
—Marjorie Kelly, author of Owning Our Future and The Divine Right of Capital
“You have no idea what money is. Read this book and find out how simply changing our money system will lead to a more sustainable and peaceful society.”
—Jurriaan Kamp, Editor-in-Chief, The Intelligent Optimist
“Bernard Lietaer and Jacqui Dunne’s clear and potent voice tells the story of our distorted and dysfunctional money system and how we can finally free ourselves from it and find our way to the future we yearn for. This stunning book should be required reading for every person who wants a world that works and a sustainable future for all of life.”
—Lynne Twist, author of The Soul of Money
“Rethinking Money does a brilliant job of eradicating the concepts and stories that our economists and other professionals in the field hold dear. The authors write that ‘money is our last taboo,’ but they don’t recommend abolishing the fiat zeitgeist. Rather, they wisely call on the various new currencies and other monetary innovations to complement the existing system.”
—Nigel Seale, former worldwide Chairman, Earth Day International, and founder of Earth Day Canada
“Rethinking Money is required reading for anyone who is serious about transforming our current unsustainable economic system to one where people and planet can prosper. This is a brilliant analysis of our current monetary system and its pitfalls. More importantly, the authors strategize the way forward with solutions that not only rethink money but revalue human beings, long-term planning, and our planet.”
—Georgia Kelly, Executive Director, Praxis Peace Institute
“In the midst of the confusion created by today’s crises, there are few people who can provide viable solutions that not only serve our local communities but also address the global economy. Bernard Lietaer and Jacqui Dunne are such a brilliant force for good.”
—Mariana Bozesan, PhD, integral investor and author of The Making of a Consciousness Leader in Business
“The mission of business—the mission of civilization—is to further the path of development that began in nature. We must develop a human ecosystem where we use less and have more. The monetary ecosystem proposed in Rethinking Money makes it possible and provides long-awaited solutions to the crises we face such as climate change, worldwide violence, and the chasm between rich and poor. This book is a must-read.”
—Tachi Kiuchi, Chairman, E-Square Inc. and Future 500
“The portrait of an emerging world where issues of lack, intolerance, degradation, and war are replaced by sustainable abundance and economic justice for all is balm for the soul. This shift is brought about, in large part, by simply rethinking money.”
—Sherry Ruth Anderson, coauthor of The Feminine Face of God
“The authors have expertly revealed new distinctions in the monetary domain but without the usual economic explanations of dry theory and abstraction. This book is for anyone who wonders why the system is failing us and, perhaps more importantly, what to do about it.”
—Julio Olalla, founder of Newfield Network and author of From Knowledge to Wisdom
“An instant classic! Lietaer and Dunne explain how and why our monetary system fails to put supply and demand together, subsidizes and promotes intolerable and unnecessary disparities of well-being, entrenches unearned privilege, undermines democracy, creates boom-and-bust cycles, and rewards unsustainable, destructive growth...Without undermining or vilifying all that money presently contributes, they provide a guided tour to an array of actual alternatives like time banking and complementary currencies to create a sustainable, more equitable monetary ecosystem.”
—Edgar Cahn, creator of Time Dollars, founder of TimeBanks USA, and cofounder of the National Legal Services Program
“Hallelujah! Finally there’s an interesting book for the layperson about what money really is...Rather than just blaming somebody—dumb politicians, greedy corporations, and banksters—Lietaer and Dunne show us the real issue: a system and a technology that are just built on agreements. And they show how we can change them to fit our real needs, live well, and save the planet in the process.”
—Paul H. Ray, PhD, coauthor of The Cultural Creatives
“In a time in which money has become a form of madness, this remarkable book offers profound understanding and guidance to the creation of a monetary ecosystem that can build both a better self and a better world. As we’re living now in a time of whole system transition, the rethinking of money is possibly one of the most important things we have to do, and at this, the authors succeed brilliantly.”
—Jean Houston, PhD, author of Jump Time and A Passion for the Possible
“New currency systems will not solve all the problems generated by physical growth on a finite planet. But we will have zero chance of creating a more satisfactory global future if we do not create new mechanisms for facilitating commerce. Rethinking Money is an incredibly practical and inspiring guide for how we could do that.”
—Dennis L. Meadows, coauthor of The Limits to Growth
“Rethinking Money addresses the last of the sacred cows—money. The new understanding this book offers is critical because economics has become the dominant—and increasingly only—discipline with which important decisions are being made. This is a must-read for anyone who wants to be part of the timely conversation on how to move forward to create the just, sustainable, and equitable world we all desire.”
—Thom Hartmann, internationally syndicated talk show host and author of twenty-four books
“The most comprehensive and readable revelation of the taboo role of money...Lietaer and Dunne describe the many thousands of innovative currencies in use by communities worldwide and how these currencies are facilitating the needed transition of human societies to more peaceful, sharing, prosperous and sustainable futures.”
—Hazel Henderson, President, Ethical Markets Media (USA and Brazil), and author of Ethical Markets, Planetary Citizenship, and Building a Win-Win-World
About the Author
Bernard Lietaer has been a leader in the field of money for more than thirty years as a central banker, a fund manager, a university professor, and a consultant. In 1992, BusinessWeek named him “the world’s top currency trader.” A codesigner of the European Currency Unit—the precursor to the euro—he is currently a research fellow at the Center for Sustainable Resource Development at the University of California, Berkeley.
Jacqui Dunne is an award-winning journalist and founder of Danu Resources, an emerging leader in helping entrepreneurs develop technologies and initiatives that restore the earth. The company is an interface between donors and projects. Danu’s unique value is its ability to work from a future reference point that draws out the greatness and builds upon the strengths of all parties, creating a flourishing paradigm shift for a quadruple bottom line: people, planet, profits, and power within.
Excerpt. © Reprinted by permission. All rights reserved.
Introduction
FROM SCARCITY TO PROSPERITY WITHIN A GENERATION
“On the morning after the Depression a man came to work, building a house, and the foreman said to him, ‘Sorry chum, you can’t work today. There ain’t no inches.’ The man said, ‘What do you mean there ain’t no inches? We got lumber, we got metal, we’ve even got tape measures.’ The foreman said, ‘The trouble with you is you don’t understand business. There are no inches. We have been using too many of them and there are not enough to go around.”1
Like the foreman in this famous allegory about money, everyone is missing the point. Most of us fervently believe that our current financial woes and tribulations are occurring because there simply isn’t enough money to go around. From this limited vantage point, the usual solutions for scarcity are trotted out, such as austerity measures, cutbacks, and privatizations. The rhetoric on all sides of the political divide is stale and has grown cold, turning glacial and unmovable in its stance. Meanwhile, there is real suffering and anguish among ordinary people, and the rainwater in the streets’ gullies turns red with protesters’ blood.
It’s time to rethink money. And that’s what this book is about.
Money is to humans what water is to fish. Humanity exists in an unrelenting flurry of monetary transactions that seem as natural and inscrutable to us as how one might imagine a fish to understand its aqueous environment—it’s taken totally for granted. In the case of money, its dynamics and distinctions are obfuscated or forgotten over time, and further complicated by the fact that the professionals in the field, economists, never actually define what money is; they just describe what it does: how it plays the role of a unit of account, a store of value, a medium of exchange.
At present, our unexamined money system perpetuates scarcity and breeds competition. Are you aware that money is created out of nothing, as bank debt? And how that particular process of creation breeds systematic competition among its users? Did you know that the prevailing money system generates several other harmful consequences, including short-termism, compulsory growth pressure, cyclical recessions, unrelenting concentration of wealth, and erosion of social and physical or natural capital? All these factors together create a wholly unsustainable financial structure that is, indeed, disintegrating.
So, how did we get here?
Modern money, the type we use today, was invented in a very different time with a different worldview and another set of priorities and challenges than we have today. Money is not a product of nature, something that grows on a tree and can be harvested. Rather, modern money is a human construct that was conceived and fashioned back in the 1700s in Europe and then evolved, first in England, to become the engine for the Industrial Revolution. Up until that point, the vast majority of people eked out meager existences, while real wealth was obtained mainly through the spoils of war or colonization, marriage or inheritance.
Through the emergence of modern central banking and its conventions during this time, it was possible to make money out of money. This gave birth to the new merchant and middle classes.
Soon money became the tool empires used in a global dash for assets in a world that didn’t seem to lack for earth, water, air, and natural resources. A contrivance of competition, it pitted one against the other in a fabricated Darwinian contest of survival, reflecting and perpetuating the values and the Zeitgeist of that time.
This epoch produced remarkable advances, thrusting society out of the shackles of superstition and stagnant social order that had preceded it. It brought about the rigor of science founded in that which could be proven, rather than divine dogma. It enabled the individual, no matter how lowly his birth, to scale the heights of his unbridled imagination and keen ambition through learning and labor.
The mercantile miracle over time became codified as a success story. Those who succeed are free to take their share of the profits after taxes, and those who suffer losses have to bear consequences such as humiliation, bankruptcy, and possible litigation. This has brought about unmatched attainment of wealth, facilitated through competitive markets and driven by a competitive financial system, which, in turn, has spurred on even greater striving for more innovation, ingenuity, and originality. This is the underpinning of the great American dream, which has been triumphantly exported to the rest of the world after the fall of the Berlin Wall and rise of the Iron Curtain. Today, for instance, China, India, Brazil, and Poland, with their meteoric growth and the rise of their own meritocracies, are prime examples.
That dream, however, has turned into a nightmare. We now have scientific proof that the monoculture of a single type of currency is a root cause of the repeated monetary and financial instabilities that have manifested throughout modern history. According to the International Monetary Fund, in the four decades between 1970 and 2010, there were no fewer than 145 banking crises, 208 monetary crashes, and 72 sovereign debt crises. This adds up to an astounding total of 425 systemic crises—an average of more than 10 countries in crises each and every year!2
One of the much touted remedies is the Chicago Plan. Essentially this would make bank-debt money illegal and government instead would issue a new currency. While this reform would eliminate the risk of bank crashes and sovereign debt crises, there would still be monetary crises.3
These stark statistics don’t begin to tell the personal and individual stories of struggle and hardship. The extraordinary chasm that has emerged between the superwealthy and the expanding ranks of the working poor is demonstrated by the fact that the combined assets of the family that owns Wal-Mart equal those of America’s bottom 150 million people.4
All of this begs the question, “Why do we not examine our money system?” Throughout the history of our world, with all its wars, political upheavals, and periods of civil unrest, and with the emergence of political models including capitalism, socialism, and communism in all their variations and adaptations, still the money system was left unexamined. The portraits on or colors of the paper bills may have changed, but the fundamentals of its core structure have not.
The answer is this: Money is the last great taboo. The topic of sex was opened up in the 1960s and 1970s, and death and dying during the AIDS pandemic and natural disasters of the 1980s and 1990s. But the subject of money is still shrouded in darkness, assumed by many to be untouchable.
An even deeper obstacle to examining our system of money resides in the recesses of our collective psyche: We are motivated both by a fear of scarcity and by greed. Fear of scarcity often carries with it a tendency to avoid facing the reality of our finances, and greed brings an obsessive focus on money. The conflict between these two forces leads to a state of approach-avoidance in relation to money—an inner struggle that further exacerbates the trickiness of the inquiry. Money itself becomes highly emotionally charged.
Ironically, financial markets portray themselves as bastions of cool rationalism. Although economists frequently present their work as neutral, objective, and based on irrefutable science, sometimes crucial underlying epistemological or conceptual orientations and presuppositions remain unstated and are thereby kept shrouded from view.
As we begin to lift the shroud in this book, we will see that it’s not the structure of the economy or the hue of the political solution, per se, that are the real problems. The real problems are money and the monetary system itself, and not in the way one might first suspect. We will see that since money is a human invention, it can be changed. We’ll see that there is not only another way, but a multiplicity of ways, to rethink money. And we’ll learn that already a quiet evolution is underway, in which people and their communities are helping themselves through a new understanding of money.
Currently, in thousands of communities globally, there are networks of businesses that span a country or a continent and groups of netizens who are reassessing and reengineering money with astonishing results. Individuals, entrepreneurs, businesses, communities, and governments in many countries around the world have already created new cooperative money systems that link unmet needs with resources that remain unused by the dominant competitive currency of each country. These new strategies do not replace the conventional monetary systems but rather work in tandem, shifting the predominant features of scarcity and hypercompetitiveness to ones that provide new options and additional resources for everyone.
Regular people have discovered not only that it is possible to create money in sufficiency for their needs but also that it is simultaneously possible to build their societies with greater cooperation, care, and collaboration. In other words, they are proving not only that it is possible to redesign money but also that doing so fosters very different and highly desirable outcomes.
In fact, the past 30 years has seen a tremendous growth of cooperative currencies around the world—from fewer than a handful in 1980 to more than 4,000 today. These cooperative currencies are often called complementary currencies. Examples include community or local currencies such as time dollars in the United States, long-established business-to-business systems like the WIR in Switzerland, and newer currencies like the regio and the terra. There is also a huge potential for more scalable cooperative currencies. In other words, the emergent cooperative currency movement now has behind it enough proven successes to grow up and start tackling the core challeng...
Most helpful customer reviews
20 of 21 people found the following review helpful.
The Emperor Has No Clothes
By Sebastian Dangerfield
I have had the great privilege of reading this book in an early iteration and it is, without a doubt, a revelatory book and a revolutionary book. The authors have done a knock up job of showing all of us our economic blind spot. That blind spot being 'fiat' currency and the fact that we have collectively forgotten that money is a human construct and therefore can be re-constructed or designed in different ways to accomplish different ends. The authors cite many 'complimentary currencies' that have emerged, usually out of crisis or need that have been successful in ameliorating economic problems and ecological problems across our world. Everybody please read!
23 of 25 people found the following review helpful.
What's missing from the other five star reviews
By Amazon Customer
This book warrants the five star reviews on the basis of its real content, but the first couple chapters made me almost put the book down. For someone who's been following the crisis closely, it's very tough going. It starts out as a complete rehash of all the problems in the current economy through a long drawn out series of anecdotes and historical examples. You begin to wonder if it is every going to get around to the subject of the book. If you are up to speed on all this stuff, skip to Chapter Three where it starts to get interesting. In general, the writing style of the book is more verbose than it needs to be to attract a general audience. As the book points out we are in an accelerated world treadmill, and many people are very busy surviving. A summary of the book and it's conclusions at the outset and a general description of the contents of subsequent chapters would have been useful to many readers. In my case, after wading through the first couple chapters, I jumped to the final chapter 13, and found it full a vague generalities that were not at all useful in discovering what the book was all about. Fortunately, I persevered and found the intermediate chapters very informative.
10 of 10 people found the following review helpful.
Reinventing Money
By Michael Foudy
When most of us think about money it is to wish we had more of the stuff. In "Rethinking Money" the authors point out the nature of money to most folks is like the nature of water is to a fish; something about which we remain blissfully unaware. Yet the nature of money profoundly impacts our lives, our societies and our environment. To find out how you should read this book. And, there is more to money than the national currencies with which we are most familiar. In fact thousands of alternative currencies the authors call "complementary currencies," exist all over the world. These can range from airline miles to time based systems such as the Ithaca Hour and business to business "credit circuits." One such business to business currency in Switzerland has existed for close to 80 years and currently involves 62,000 businesses. In "Rethinking Money" the authors take us on a tour through this little known world of complementary currency. To most of us this is a whole new monetary world to explore with the help of "Rethinking Money." The book is very readable, extremely informative and after you have read it you will never think about money the way you did before you started the book.
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