The Last Will Be First - A Plan to End Homelessness

by Melinda Pillsbury-Foster 

The problem of homelessness can be solved rapidly, without government subsidies or charity as we know it, by understanding the real cause.

Since this statement will sound incredible to you, most likely, we have put up a website to show you how this works.

First, you need to understand that homelessness does not happen because of the personal failings of those finding themselves homeless.  It is not the lack of jobs.  Not the use of drugs or alcohol.  Not failing health.  For Veterans, not the trauma of war.  It is not even Post Traumatic Stress Disorder or Not In My Backyard hardness. 

By assigning blame to those suffering the hideousness of being without a home, we have distracted ourselves from the real cause.  It does not matter how you feel, or what you do about ‘the homeless issue.’  Until you understand the cause, nothing you do will solve the problem.  This does not mean you do not succeed in helping individuals and families, but that the problem will continue to mount.

The real problem is simply and easily fixed and requires no action by government and will result in a vibrant economy.  As an extra benefit, carried out as we outline, by realizing we are called to serve those in need first, the result will be a vibrant, booming economy which is sustainable.  Boom and busts will become a thing of the past. 

Each of the issues I name are caused by the same underlying problem; the financial tool we routinely use for loans, the Rigid Installment Payment, or, as we call it the RIP.  Today, 17 – 26% of all house loans, and vehicle loans, default every year leaving many on the street or living in their cars, if they still have one. 

RIP loans are relatively new in usage and ignore the wisdom of countless past generations in multiple cultures.  Previous generations understood the erratic nature of our lives and took this into account.  Those generations remembered what it meant to be a community where the well being of everyone mattered. 

This is the same loan tool which proved itself even before we won the Revolution; it is the loan tool which helped us win the Revolution.   Using this tool, we can end homelessness far more rapidly than you can believe possible. 

Remember the words, “The Last Shall Be First.”  This is precisely what we need to bring humanity together while solving the growing list of other problems now confronting us. 

What we need is a Sustainable Human Economy.  We don’t need legislation.  We don’t need to elect anyone.

You may already know, most Americans are, right now, two to six months from homelessness.  This could include some of us.

It is a simple tool.  We call it Percentage-As-You-Earn or %PAYE Finance and Finansurance.  Earlier generations took it for granted. It was not formalized, it was the way we survived the uncertainties of life.   Its history and the prosperity it caused was researched and proven a generation ago – and except for the manipulations of those who profit, or want to profit by the RIP loans today, you would have health care for everyone could afford small percentages of your income and the security of knowing you could not lose your home.   

Here is how the rediscovery of %PAYE took place.

The history of the rediscovery of %PAYE began with a short article by Nobel Prize-winning economist Milton Friedman in 1971.  A young man who had just spent 18 months designing the first wheelchair transport for what we then knew as ‘shut-ins’, found the article.  Excited at the possibilities, he followed Friedman’s advice to research the history.

The results were impressive, proving %PAYE ended indentured servitude and slavery in New England; allowed little old ladies in New England to fund the privateers who provided all the supplies George Washington used during the Revolution; made it possible for people to have health care when they needed it; and more.  The Real Story of the Privateers.

A sustainable economy provides economic tools which ensure stability for everyone and include everyone.  Is this socialism, you ask yourself?  No, it is the real opposite of socialism, communism, progressivism, and predatory capitalism.

What we are seeing today is the logical outcome of an economy which uses unsustainable financial tools. 

Hard to believe?  Yes, but it is true. 

Our renewed economy, one which solves our present problems, allows for our need for a learning curve and for the unexpected events which, today can be deadly to for every one of us.   Life should never have been a tight-rope walk over the yawning maws of alligators.  

A sustainable economy is one which takes into account erratic incomes while at the same time providing the means for us to innovate and improve our skills with lower risk.  Today, the potential for economic devastation, is reducing America’s 2^nd-job gig entrepreneurism and constricting the road to products which solve problems.   In the rest of the world, 85% of people run their own small businesses; in the US 85% of us are employees.    

The cause of this is Rigid Installment Payments (RIP).  Banks today use their loan tool of choice, RIPs, to optimize their profits by including the equity stolen from borrowers when the RIP loan, which offers no protection to the borrower, fails within six months. In 17% – 26% of the loans they issue this will be the outcome.  This multiplies the way earned wealth is transferred to those who risk nothing, which is the case with banks today, operating as they do within the Federal Reserve System. 

Given how erratic our economy is, it is very likely all of us will go through periods of erratic income. Sharing the risk between lender & borrower, service provider and client, half and half, causes decent decisions, patience, and results in profits and beneficial outcomes for all parties. 

This brings us to the second overwhelming problem we face today.  Again, the solution is %PAYE.

We need a sustainable economy because we need our human interface with world our to become sustainable as well.

The intrinsic cost of a home must be reduced and achieve extended longevity, at least 1,000 years for human homes.  Roads and all other infrastructure must last several thousand years.  The materials we use must be endlessly recyclable, and not become landfill or cause the other problems we are seeing routinely today. 

Our energy needs must also become more rapidly to sustainable.  How we build can hasten this process, as the right materials radically lower the need for energy for heating and cooling. 

Food is best is grown close to where it is consumed.  Food grown at home lowers the cost of living and ensures quality – as we reduce through remediation the pollution levels around the world. 

This reduction hinges on holding those responsible accountable for pollution which is causing the rise in our own health care and the impact of all other life on Earth.  Due to changes in technology which now make it possible to identify the originators of pollution, this can be done. 

Our approach to this is full accountability by moving risk, liability and insurance in the direction of accurate assessments of risk and accountability for damage done.

All components for needed change are included in our plan.  These will be available at Housing The American Dream.  Everyone will have access through our 2-Way Interactive TV Network, Freedom Interactive TV Networks Association, a not-for-profit which allows every viewer to understand the facts, assess the costs, and see how these work before they use them.