{"id":839,"date":"2018-02-08T13:47:12","date_gmt":"2018-02-08T21:47:12","guid":{"rendered":"http:\/\/www.luterra.com\/blog\/?p=839"},"modified":"2018-02-08T14:58:01","modified_gmt":"2018-02-08T22:58:01","slug":"its-time-for-a-change","status":"publish","type":"post","link":"https:\/\/www.luterra.com\/blog\/?p=839","title":{"rendered":"It&#8217;s Time for a Change"},"content":{"rendered":"<p>We\u2019re living in strange times.\u00a0 On the one hand, the trend toward equality, acceptance, and accountability that can be traced from abolition of slavery and women\u2019s suffrage through the civil rights movement, same-sex marriage equality, transgender equality, and #MeToo is continuing, weakening age-old patriarchal structures and giving me cause for hope.<\/p>\n<p>On the other hand, we are living in a nation increasingly divided by hatred and fear, where ideologies and stereotypes metastasize in online echo chambers and dissenting voices are silenced.\u00a0 \u00a0We can no longer even agree on simple facts, let alone compromise on questions of values.\u00a0 Our political systems are gridlocked, our infrastructure is decaying, and our collective response to looming crises such as climate change, dwindling fossil fuels, and topsoil loss has entered a pattern of public denial and blissful ignorance.<\/p>\n<p>&nbsp;<\/p>\n<p><em>What is Going On?<\/em><\/p>\n<p>In a phrase: systemic financial insecurity.<\/p>\n<p>Roughly 50% of Americans cannot afford an unexpected $500 expense without incurring debt.\u00a0 This in a time when car repairs frequently cost $2000, an unexpected broken bone can cost $10,000, raising a child to adulthood costs around $200,000, and a comfortable retirement savings \u2013 with enough to cover assisted living and long-term care \u2013 approaches $1 million.\u00a0 We are a nation on the edge, surviving day to day with uncertainty filling both short-term and long-term horizons with anxiety.\u00a0 In this state we can\u2019t bear to think about larger challenges like climate change, so we simply ignore them.<\/p>\n<p>When we are feeling afraid, we have a tendency to protect ourselves, to put our family first, our self-identified communities first, our nation first.\u00a0 Fear is divisive; it is not at all coincidence that pre-war Syria, pre-war Germany, and perhaps a majority of pre-war states were marked by a high level of economic insecurity.\u00a0 We become suspicious of anyone who appears to be competing for our resources and vulnerable to propaganda that would blame immigrants, minorities, religions, or other nations for our woes.\u00a0 And there is plenty of such propaganda, released and encouraged by those who control the wealth (and the media), and who have much to lose should their prominent role in creating this situation come to light.<\/p>\n<p>We have gone so far in our fear as to elect a master propagandist to lead our nation; one who is the very emblem of profligate wealth and who gives control of government to the richest of the rich while convincing those who are most insecure that he is their champion.<\/p>\n<p>&nbsp;<\/p>\n<p><em>How Did We Get Here?<\/em><\/p>\n<p>There have been books written on this subject; in being brief I will inevitably be incomplete, but I believe that the pattern is quite simple.\u00a0 In short:<\/p>\n<ol>\n<li>Commodification.\u00a0 With industrialization and improved transportation came economies of scale.\u00a0 The local blacksmith who made plowshares now had to compete with The American Plow Company, which cast uniform plowshares by the millions.\u00a0 Products that were previously custom-built or raised by craftspeople \u2013 from meat and vegetables to tools to furniture to garments \u2013 were mass-produced in assembly lines.\u00a0 The craftsfolk could no longer compete, and were forced to \u201cget big or get out.\u201d\u00a0 The commodification process has been happening for a long time \u2013 since our great-grandparents\u2019 generation and before.\u00a0 By and large Americans survived the earlier phases of this transition in good financial shape, because the United States dominated global manufacturing and employed workers to build goods for the world.<\/li>\n<li>Globalization.\u00a0 More recently, beginning in the 1980s and 1990s with various free trade agreements, national commodities have become international commodities.\u00a0 This presents a problem because, for reasons of financial imbalance among nations and varying regulatory environments, farming and manufacturing in some nations is substantially cheaper than in others.\u00a0 In effect, the United States and Western Europe economically colonized much of the rest of the world, at huge cost to the citizens and cultures of the colonized countries.\u00a0 I\u2019ll gloss over that for now because my focus is on United States citizens.\u00a0 The effect of globalization here was both to eliminate jobs as production moved overseas and to drive down wages in order to compete on a global playing field.<\/li>\n<li>Consumerism.\u00a0 We have been sold on the idea that we ought to buy as much stuff as we can afford, and that the only worthwhile criterion for differentiating otherwise-similar stuff is price.\u00a0 Thus we are in favor of commodification and globalization, even as we suffer for it.<\/li>\n<li>Wealth extraction.\u00a0 As more Americans cannot afford to buy homes and vehicles and to cover emergency expenses, we acquire debt.\u00a0 Debt that must be paid with interest.\u00a0 We pay rent to landlords for the privilege of having shelter.\u00a0 The interest and rent is, of course, collected by those who had extra money to invest.\u00a0 As economic growth stagnates (which is inevitable as we reach the carrying capacity of a finite planet), wealthy Americans are transitioning from investing in the stock market (which reflects to the economy as a whole) to investing in loans and real estate that extract wealth directly from those who are already economically insecure.<\/li>\n<\/ol>\n<p>In one sense, we are all complicit in getting where we are, in that we are a democracy and we have allowed money to buy power.\u00a0 We have believed in \u201ctrickle-down\u201d promises.\u00a0 We have often accepted our plight while idolizing the wealthy.\u00a0 We have looked up, toward those better-off, and aimed to get there ourselves without considering how our lives are already disadvantaging others.\u00a0 I feel this myself as a duplex owner; extracting money from poorer student renters in order to pay interest to the wealthy investors who own our home loan.\u00a0 We have accepted a tacit assumption that everybody <em>could<\/em> be as well-off as we are, and that if they are not then they have failed somehow, or they will get there someday.\u00a0 We have focused primarily on <em>individual<\/em> access to opportunity, while ignoring the <em>systemic<\/em> problem that a majority of the job\/career opportunities now available do not pay enough to provide any semblance of financial security.<\/p>\n<p>&nbsp;<\/p>\n<p><em>What Can We Do About It?<\/em><\/p>\n<p>There is much that we can do locally, if we have the resources.\u00a0 We can choose to buy from local farmers, artists, and producers, even when cost is substantially higher.\u00a0 We can buy through local retailers rather than big box stores or online outlets.\u00a0 If we sell a good or service, we can offer a sliding scale to increase accessibility, or we can accept trades of goods or services in return for our own.\u00a0 In wealthier communities, with enough commitment, we can create thriving local economies and fairer compensation in the face of a broken national and global system.<\/p>\n<p>However, to really effect change \u2013 and to help impoverished communities where few have enough wealth to vote with their wallets \u2013 we must change legislation at local, state, and national levels.\u00a0 There is much we can do; here are a few ideas:<\/p>\n<ol>\n<li>Universal Health Care. \u00a0This one is a no-brainer, and is finally gathering enough political steam that it stands a chance at success.\u00a0 Every other developed country has some form of universal health care, while we in the United States pay three times more for care that is not functionally or qualitatively better, and in many cases we are forced to declare personal bankruptcy or to forego potentially life-saving treatments for lack of financial resources.\u00a0 Nearly every analysis agrees that we would pay less overall in a single-payer system, which would cut out a substantial amount of bureaucracy (i.e. administrative jobs that do not contribute to better health outcomes) while allowing elected officials to negotiate rates with providers in a transparent manner.\u00a0 Health care expenses (both skyrocketing premiums and unexpected injury\/illness) are a leading cause of financial insecurity, and solving this would go a long way.<\/li>\n<li>Living Wage.\u00a0 It used to be that dirty and dangerous jobs in mines and factories paid enough to support a family.\u00a0 Now they barely pay enough to pay rent for one person.\u00a0 Rather than a federal minimum wage, we need a locally-variable minimum wage based on a minimum standard of living.\u00a0 I might propose enough to raise a child as a single parent while owning a vehicle and paying a mortgage on a modest house\/rent on a modest apartment and not relying on any federal assistance programs.\u00a0 In places that might be double or more the current minimum wage.\u00a0 Such increases would shock the economy and drive inflation so would need to be implemented gradually, but any job that requires a full-time commitment ought to compensate workers sufficiently to live comfortably.<\/li>\n<li>Price Floors.\u00a0 Along with living wages, and especially in areas such as farming where many are self-employed and not earning a wage, price floors could be calculated as the lowest value for a product that allows its producers to earn a living wage.\u00a0 Price floors must be accompanied by a mechanism to manage overproduction; I won\u2019t go into it here but Wendell Berry has some excellent examples of how that has been and could be done in an agricultural setting.\u00a0 Tariffs on imported goods become essential so that these do not undermine price floors and living wages for domestic producers.\u00a0 This may be the lone concept on which I agree with Mr. Trump, though I suspect he is only thinking about benefits for corporate leadership and privileging some industries at the expense of others.\u00a0 In the absence of legal price floors, voluntary ones could be established and marketed in much the same was as \u201cfair trade\u201d coffee and chocolate.\u00a0 Some consumers would willingly pay more to ensure that all workers in the chain of production are fairly compensated.<\/li>\n<li>Maximum Wage.\u00a0 A much more controversial idea; I believe strongly that no one person\u2019s hour of work is worth indefinitely more than another\u2019s.\u00a0 As a start, I would envision a maximum wage set at roughly ten times the minimum living wage, though the exact ratio could be adjusted.\u00a0 Trimming high wages and equivalent compensation (e.g. stock options) would make room for a rise in low-end wages without a proportional increase in product cost to the consumer.<\/li>\n<li>Flexible Working Hours.\u00a0 There is no divine rule that says every able adult needs to work 40 hours a week in order for society\u2019s needs to be met.\u00a0 As jobs are lost to automation, we keep creating jobs \u2013 often fairly meaningless or unnecessary ones \u2013 in order to maintain full employment.\u00a0 Perhaps we will reach a state of automation in which we only need to work 25 hours a week on average.\u00a0 Would that be a problem?\u00a0 I envision pinning the federal work week to the unemployment rate such that when unemployment rises, working hours decrease until the unemployed workers are hired.\u00a0 When unemployment drops below a threshold, working hours could increase back to a cap at the current 40-hour week.<\/li>\n<li>Debt Forgiveness.\u00a0 There may come a time, in economic recession, when a large number of financially-insecure Americans are facing bankruptcy due to unpayable debts.\u00a0 Rather than allowing bankruptcy on an individual basis, it may be preferable (and much better for those indebted) to declare a partial debt jubilee, in which a percentage of all debt is simply wiped away.\u00a0 This represents a wealth redistribution from debt holders to debt owers (i.e. from the financially secure to the financially insecure), and it has historical precedent in a number of societies.<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p>So\u2026where to start?\u00a0 Bernie Sanders had the right idea in many ways, though he is too old to really lead a movement.\u00a0 I\u2019m a personal fan of Tulsi Gabbard or Tammy Duckworth as presidential options.\u00a0 But it\u2019s not only about a president, and we can\u2019t invest too much hope in a political savior.\u00a0 We need to build a movement on all political levels.\u00a0 We can\u2019t ignore the atrocities of the Trump administration, but we also can\u2019t let his wham-bang shock doctrine tweetstorm distract us from building a coherent strategy in time for the next election cycle.\u00a0 We don\u2019t need to allow the current government to set the terms and acceptable limits of debate; we can elect a new Congress that will change the terms entirely.<\/p>\n<p>Women are wise in many ways, less willing to accept the winner-take-all, pull-yourself-up-by-your-bootstraps, \u201cindividual responsibility\u201d story that is parroted as an excuse for the status quo.\u00a0 I\u2019m hopeful that the rise of women with #MeToo and #TimesUp will bring about a corresponding influx of feminine wisdom into political discourse.<\/p>\n<p>The news \u2013 in the various national media sources \u2013 is not fake, no matter how much some would like to believe it.\u00a0 We have not stooped to that level, and I hope that we don\u2019t.\u00a0 The news is, however, <em>selective<\/em>.\u00a0 Advertisers and media moguls alike belong to the privileged classes, and we can expect that movements to reclaim wealth and power for the masses will receive biased coverage or no coverage at all.\u00a0 For that reason we need to create unbiased media outlets, carefully moderated and purged of conspiracy-type or speculation-based stories but also not beholden to corporate money.<\/p>\n<p>Things seem to be getting worse at present, but as long as we maintain our democracy \u2013 one person, one vote \u2013 then we stand a chance of driving change for the better.\u00a0 I haven\u2019t been especially politically active to date, but I\u2019m thinking it might be time to change that, to raise my voice and help to build a chorus demanding a nation in which Americans are truly free.\u00a0 Not just free from foreign invasion and government incursion into daily lives, but free from the anxiety of not knowing where the next rent payment will come from, free from choosing between food and essential medical care, free from living from paycheck to paycheck at age 60 and doubting if retirement will ever be a possibility.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>We\u2019re living in strange times.\u00a0 On the one hand, the trend toward equality, acceptance, and accountability that can be traced from abolition of slavery and women\u2019s suffrage through the civil rights movement, same-sex marriage equality, transgender equality, and #MeToo is &hellip; <a href=\"https:\/\/www.luterra.com\/blog\/?p=839\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/www.luterra.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/839"}],"collection":[{"href":"https:\/\/www.luterra.com\/blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.luterra.com\/blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.luterra.com\/blog\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.luterra.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=839"}],"version-history":[{"count":2,"href":"https:\/\/www.luterra.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/839\/revisions"}],"predecessor-version":[{"id":841,"href":"https:\/\/www.luterra.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/839\/revisions\/841"}],"wp:attachment":[{"href":"https:\/\/www.luterra.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=839"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.luterra.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=839"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.luterra.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=839"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}