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In a time when so much is available to so many, in so many ways and on so many levels it may seem incongruous to know how many problems nations have. Politicians promise much and produce little. Governments say they are tackling social problems but not much changes. Political solutions create social costs even genocide and war. International organizations such as the UN and IMF exhibit greater despotism than some of the fascist states they are meant to reform. Wars continually destroy what took generations to build. The desire for the good life has created debt and what is called the Nanny State. Mutualists believe mutualist enterprises provide the answer.

Governments and their agents are taking over more and more of our life. Things that were done and ought to be done independently are being performed by bureaucracies and NGOs. Political pundits tell us we need the state to educate, instruct and guide us. We are told we are dependent on the state for social goods. But wherever we look we are threatened by the power and waste of governments more than any thing else. The answer to one bad leader we are told is a new leader.

Rationalism is the belief that reason is inherent to all persons. The bible tells us that the truth of God is written in our hearts. Freed of the impositions imposed by the state people generate organization spontaneously. We do not need the state to produce social goods. Organization arises spontaneously when we think like stewards for order is inherent in all persons.

The Golden Rule reflects the wisdom of God. The Golden Rule represents the truth written in our hearts. The Golden Rule reflects our inherent rationality.

Doing unto others as we would have them do defines the philosophy of mutualism. Responsible government is the governance of mutualists because mutualist enterprises provide only that level of authority that the lower strata provide. Responsible government respects peoples mutual rights and the Golden Rule. 

Mutuals asks why people who are rational and understand right from wrong need the state?

The state is required only when mutualism is rejected. 



World Views

There are two major philosophies, mutualism and liberalism.  All philosophy that rejects the idea that mankind has inherent information and a natural tendency to organize are connected to liberalism. These two different attitudes manifested as two divergent philosophies leads one group to favor stewardship and the Golden Rule and the other to support fascism and the role of the state.

If there is no internal mechanism by which order may be maintained humanity must be controlled by external agents. External authority always exhibts some form of fascism. If there are no universal way to control humanity or guide humanity then humanity is free. Liberalism is the default setting once the individual rejects the idea of inherent organization. If mankind cannot govern itself through the internal mechanisms created by God then order must be designed and implemented politically by a fascist state. Evolution and Naturalism are manifestations of the liberal position. A race with no internal mechanism to maintain order has no recourse but to impose order from without. This force is either nature or government.

Mutualists subscribe to the Rationalist philosophy. Mutualists believe knowledge is innate and based on the direct perception (apperception) of reality. Reality is processed information not an implacable impingement on the senses. Liberals rely on regulation, authority and law to create order (administrate risk). They have no other foundation on which to impose order. Liberals  believe reality is physical and material. Liberals all assume mankind is subject to nature. Liberals believe reality persists independent of humanity and exists independent of the perception of reality. Liberals are concerned about formulating law and about restricting freedom and controlling and regulating humanity. We are, as Hobbs asserted, blank slates at birth.

Liberals believe the law is a reflection of the Natural Order of things. Order has to be imposed on man. Might makes right. Order imposed is external law that is meant to reflect and mirror natural law or the law that tells us that might makes right. Liberals see themselves as a force of nature. Human law externalizes the authority of nature onto a human agent. Liberals impose the ideology of evolutionary biology onto society. When one assume tabula rasa and the absence of all intrinsic sense of right and wrong one is left with the need to impose order from without.

The only true order comes from within. Mutualists believe people discern right from wrong. When order is imposed from without it often conflicts with our internal sense of justice. Reality is the result of and a measure of the coherence of our concepts. This requires we understand reality as emanating from God.

Liberals are legalists and moral relativists. Liberals believe right is what the law says is right and might makes the law. Murder is wrong when and if the law says it is wrong. Mutualists believe murder is wrong because it imposes the authority of one person onto the victim and costs onto society. This is not consistent with humanities Mutual Rights.

Mutualists believe the knowledge of moral right and wrong is innate, people know how to cooperate and spontaneously organize. Liberals do not share this view and claim regulations and education are required to keep order. The state must impose order onto society. Liberals are moral relativists because moral autonomy is rejected. Morality has to be imposed as law. 

Mutualists believe reality is conceptual. Reality can be thought of as information or as a communication between two intelligences. Liberals see only one reality and this is composed of matter. This means that for liberals morality is a human construct.  Liberalism leads to the divinization of ideology and the marginalization of humanity and his Creator.

The regulations created by the state create social costs. Social costs are passed down onto society. Social costs waste resources. Social costs are irrational and unethical.

Mutualists requires power be devolved down to the lowest practical level. The level at which choices are made and costs paid. The human level. Choices are always made at the personal level and economic level. Rational persons do not require the existence of a state. The economy does not require regulation. Regulations create costs/ the state creates costs. Ownership is a responsibility, we own the assets we care for. Ownership is stewardship. We own what we add value to and care for. Stewardship is the only way to legitimize ownership. Stewardship reduces risk. We do not own Gods Creation.

Mutualists create added value and this added value is all we legitimately own according to the Mutualist philosophy of ownership. Private ownership is a legal fiction. Private ownership is theft legitimized by the authority of the state. Private ownership is a legal right. Private ownership is the thin edge of the wedge that serves to divide man from God. Ownership is based on responsibility within a community not the administrative power of the state. The one who pays the costs owns what he or she cares for. 

Liabilities cannot be rationally justified. Risk reduction comes only from sharing sources of risk. Exchanges reject the traditional use of double entry bookkeeping. Exchanges use cash based accounting.

Debt produces division and competition. Mutualists reject the liability portion of the Capital Equation. Debt is divisive and illegitimate. Mutual Exchanges use a currency created by the Supply and Demand interactions of the free market. Capital and assets are equivalent values incompatible with liabilities and debt. Exchanges are rational and ethical and debt free Mutualist organizations. Debt is never ethical.  Money is a unit of value even a unit of information. Money measures the value of a choice made. Money is information. Money conveys information about our values. The economy is how the information is transmitted. Mutual Exchanges issue cash as a response to Demand. Exchanges do not create or need debt or interest payments.

Economic activity either adds or subtracts value from the planets total assets. Economic acts are never morally or economically neutral. Choices either positively or negatively impact prosperity.

Human Rights:

Liberals subscribe to a freedom dependent upon the state.  Libertarianism is coercive in that property rights are based on the authority of the state. Libertarians believe property owners have more rights than others. Libertarians measure freedom using property ownership as a standard. Libertarianism is not consistent with human rights. Human rights are the rights possessed by all peoples. Human rights are not the same as legal rights. The existence of human rights are not consistent with the objectives and priorities of the state. Human rights are inherent and based on the rights of the creator over his or her creation. The rejection of God is the first step towards the rejection of human rights. To the degree that the individual is sacrificed to the needs of the state to that degree will the state ultimately fail. Civilization is created by the total value of the rational choices made.

Civilization is a measure of mankind’s rationality and the power of the creator over his or her creation. Economic activity is inversely related to the presence of the state and its social costs. Mutualism and the principle of mutual rights holds the key to generating specialization and civilization and entrepreneurism.

Mutual Exchanges are designed to free society from the state and its social costs. Exchanges are engines of transformation that move authoritarian organizations towards mutualist organization. Mutualists systematically work to increase local authority over local resources as a way to divest authoritarian organizations of needed supplies.

Ethical organizations do not need or ought not to need government grants or bank loans to create economic development or jobs. Mutual Exchanges are ethical organizations that do not require business donations or unpaid volunteers to achieve social ends. Exchanges pay members for all work done in keeping with the mutualist principle that no transsfer can be completed without the consent of both parties.

Housekeepers, students and those who plant trees are all paid for the work they do because all these activities increase  equity. Mutualists believe all persons are equal and equally deserve to be recognized for the contribution they make. All persons have a right to what they create. To not pay people for the contribution they make is to infringes our mutual rights.




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