Easy Win Games

Resources:  Zero Sum Thinking

 Zero Sum Thinking is seeing the world as a fixed amount of wealth in which the win of one is a loss for you, so fradulent means are used to benefit oneself at the expense of others. But in the end no one wins.

 

Resources:    The Money Game

Too much of the wrong kind of stuff and too little of the right stuff is the result of living in a zero sum world. People feel that helping others will harm them so everyone is left to do the best they can on their own in competition with everyone else. Charity is a tacit acceptance that this kind of thinking is wrong and is indeed an overt rejection of this kind of thinking. Charity is a slap to the face of those who get ahead at the expense of everyone else.

The Money Game is a zero sum game.

Money is sticky on the upside but liquid on the downside. Money is far easier to spend than earn. Goods and services costs money to sell but these things are easy to buy, if one has the money. The time and trouble that it takes to sell creates convenience for those who are willing to buy but the cost of selling results in waste, garbage and stockpiles of unmerchandisable products. In the end the use of money creates costs for us all. The cost to sell becomes the severest obstacle to selling goods and services, to starting a business and one of the largest cost componnts when pricing goods and services for sale. So a large percentage of the cost we pay is due to the use of money.

 

Resources:  The Bank Game

The Bank Game is a modification of the Money Game. In the Bank Game people borrow money in the expectation they will make more of it or to avoid the costs of delayed gratification*.

Banks tell you that borrowing is justified if it results in greater income or makes it unnecessary to delay using a product or service one needs.

There is no winning in this game. You cannot win against a Casino in the long run. Whatever gain one makes is always conditional and short lived. The odds, in other words, are always with the house.

Debt always produces interest. A person borrows a thousand dollars and a thousand dollars is placed in an account for his use, but he owes $1060.00. This means that to pay back the debt an additional $60.00 has to be obtained. This is taken out of the economy.

Borrowing inflates the economy then deflates it putting the economy on an erratic cycle of inflation and deflation. Depending on if more money is being borrowed or repaid the rise and fall can be serious and dramatic or relatively slow and graceful but is never without negative impacts.

The amount borrowed can never equal the amount paid back. There is an inbuilt instablity in the Bank Game.

 

*The cost of delayed gratification is an idea cooked up by bankers to justify a person buying consumer goods on credit. The argument is based on the proposition that having to wait is a cost the cost of delayed gratification. Of course gratification is generally short lived. By having to pay interest one is actually delaying the time one purchase the replacement or other product.

 

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revised November 01, 2013; May 2015