Credit Systems Theory; Copywrite

There has been a breach of copywrite by Ursula Van der Leyen, the EU president. She is a fraud. Just like her medical degree. I have proof by google that i wrote this entire theory.

 Credit system theory: by Joshua Joseph Willger

As previously thought, there is a daily cap on credit production, TBD

The point of the cap is to create social layering to the ways credits are earned.

No matter the cost of a credit it will always be worth earning.

Credits will be refunded based on whole life earnings, times the happiness you feel, if you are 50% less satisfied with your life after using credits, you WILL be refunded at end of career after retirement.

500 credits a week for 18+ years of age

1k credits a week x minimum wage

1 credit: eggs, milk, butter

3 credits: desserts, junk food, soda, noodles, starches, canned veggies, sauces, dips, etc

• At a rate of 5 items per 3 credit limit

5 credits: Fresh bakery, fresh food over the counter, fresh vegetables 

• At a price point rate of pounds per credit, so 7 pounds of food for 5 credits

8 credits: fresh butchered meats, over the counter prepared meats

• At a credit rate of 5 pounds of meat or less

The main point is that perishable food will always run at a faster rate because it expires faster, so the cost per item would be based on expiration rate

• Plus we need people eating healthier foods, so if propensed to a degree where the more expense, yet still affordable, there is more chance people will eat less meat per week

10 credits: this would be for one time buys of cutlery and other forms of kitchen materials that are one time buys such as ladles and strainers, plates and such, at a rate of 5 items per 10 credits

8-20 credits: fast food

20-50 credits: alcohol, tobacco

50-100+ credits for shirts and clothing while there will be cheaper clothes at department stores such as Walmart for most likely 20 credits minimum

When consumer items come into play there is a serious conclusion that the price per 100 is about the same as that of thousands of dollars since consumer items for entertainment is what drives our lives

200-500 credits: electronics such at the price of 400 dollar televisions, gaming controllers would be 80 credits and video games would be 80 credits

The main option we have is to create a physical wallet system with detectable software relatable to a system ran by economists who are trusted with a social concern over the non corruption and the strict doctrine that this system does not cause inflation

1000+ credits for a laptop with a graphics card, while cheaper laptops start at 800 credits

The credit loan system will be locked into a system of serious and processed loan system that creates little debt and does not require APR or other forms of debt, since you can't over spend your credits or you just run out of credits

So for instance you can maybe get 5000 leeway on a credit purchase for a vehicle that you have to pay off over time with no process on your end, it would automatically deduct it from your payment from your employer

Obviously some jobs create more credits based on social credit systems such that you see in China that will implement itself through how credits are spent in the observance of how you spend your credits based on the AI that oversees with algorithm that overstates how much credit system based on your social credit allows.

Personal career paths such as social relationship jobs will be paid at a personal debt system that may not be monitored beyond how much a person's time is worth.

White collar careers at a normative rate of 70k credits a year at a masters degree will balance the rest of the credit systems in play, while a bachelor's degree will automatically fetch 50k based on social credit ran by the company or corporation that hired the person and provides their social credit, and while billionaires in credit will no longer be a thing, their credit system will be based on their social status formulated by their credit over head and they (the CEOs) should not have immense credit capital fortunes that cause lack of spending since as we've seen in the past, there are no multi billionaires that can even spend that money (as in cash or net worth) in their entire lifetime. So being on that note their social form and status will provide them a non complex form or wealth based on social status that may translate to possibly 500 million credits cap as billionaire-same prospect, although that portion is theory, it is only to provide and provoke a sane idea that too much money must cause too many problems, and that is to say that the 500 million is a personal social credit based on their own personal spending, not corporate credit for CEO, business owner capital.

Backing up to how farmers and food business gains money, we (the credit owners) would compensate the grocers to pay the farmers and food companies (in exact form) 100 credits per 1 credit spend and all the way up to the 8 credits at the hundreds place of credit such as 800 credits for 8 credits.

Internet and electronic services will be able to make more money as maybe 100 credits a month for internet, while I would like to see cable systems such as cable TV be removed from anything but Internet service, see YouTube TV

Medical professions will be compensated at a lower rate than present day (in america, US), since there is no ethical understanding as to the reason these people get away with the overpriced medical items that at cost require way less as in 50% less than that of how much they cost at the moment, since the united states overpays their FDA sanctioned engineers and that (off topic) includes military complex engineers.

When the computer takes over the production of credits, it not only enhances credit production, it watches as credits are built, so in the middle of manufacturing credits, there is an opportune position to create credits from nothing, though that isn’t true based on how many credits are available, the computer compensates within percentage of workable economics.

If credits = success- success= credits

If 500 million is cap: 

Free credits as long as you use this slip

Credits last forever and will always work

Credits are moving in, please make them a part of your home and take one of these slips and sign up into our system to stamp your credits into existence

You get 1,000 free credits to spend as we evolve our technology

You not only get a complimentary Credit Wallet when they take off, you will get it for free!

Normally at cost will be a 100 dollar wallet, yours free!

When this wallet is mailed to you, it stores all of your credits in our system which is protected by security of the top measure.

All credits are synonymous with dollars until further notice.

A person is given credits based on their social function and position in life. If a person is already well off when credits take off the computer will analyze the credit limit of 500 million credits in the tier 1 credit cap as the cap of what is available to be earned. All luxury and comfort items are credit compatible as well as all grocery items. There is no need for a personal currency beyond credits. There is a back cap on credit allowance, when a person reaches 500 million credits in tier 1 credits, any 1 credit over is carried to a second tier of credits called tier 2 and is back capped into negative growth against the 1st set of credits, so we see the credits collapse when in perfect mirror of each other, each credit cap is made to force spending and the most something can cost is 500 million credits, this gives people that like to play with money something to do, can they spend all of the money they saved up or will they lose the second tier of credits over hoarding. There will be a month to month limit on how many credits you can build up in the tier 2 credits so it's like savings for the super rich and will force better competition on vanity items such as yachts, personal real estate, or higher class functions.

The government is allowed a higher credit limit than other organizations and big organizations get a higher rate cap than that of laymen or individuals. While a business organization can keep a certain amount to pay employees there is little point in making the business too rich with credits. The allowed credits will always be allowed into the credit currency system through employers and employers will always have enough money to pay employees while still making income for the organization while being fulfilled through credits until there is a credit pool.

Copywritten by Josh Willger