دانلود کتاب The Citizens' Ledger: Digitizing Our Money, Democratizing Our Finance

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Prologue: Money Without “Middlemen” Praise for The Citizens’ Ledger Contents List of Figures 1 Introduction: Money, Finance, and Production in Contemporary Commercial Republics 1.1 Money and Production, Public and Private: The Two-by-Two Matrix of Commercial Republican Economies 1.2 Ills of Financial Hybridity—And Their Possible Money-Tech Cure 1.3 Digitized Citizen Ledger Finance as Our Newly Available Cure Notes 2 Money, Capital, and Investment: Fixing Some Critical Terms and Relations 2.1 Capital: A Crucial Yet Oft-Muddled Term 2.1.1 Production: What Capital Is (Ultimately) For 2.1.2 Generic Capital 2.1.3 Generic Capital in Production—Investment Capital 2.2 Investment: Antonym and Antidote to Speculation 2.2.1 Investment and Finance 2.2.2 Stratification and N-ary (a.k.a. “Meta-”) Markets 2.2.3 Intermediation, Derivation, “Financialization” 2.3 Money: From Measure to Medium—and Back 2.3.1 Paying—Including Investing 2.3.2 Accounting 2.3.3 Crediting/Debiting Notes 3 Franchise Finance: A Brief Exposition and Exposé 3.1 Hybridity in the Large: Exposition 3.2 Hybridity in Detail: Exposé 3.2.1 Credit-Money’s Endogeneity: Private Lending of Public Capital 3.2.2 Endogeneity’s Blessing—And Curse: Production and Wealth, Speculation and Recursive Collective Action Problems Notes 4 Franchise Finance: Why and How We Got Here 4.1 Why Credit and Currency 4.1.1 Credit: Production and Payment in Time 4.1.2 Currency: From Ledgers to Tokens—And Back 4.2 Why Uniformity 4.2.1 Spatial Uniformity: Payments and “Universal Equivalents” 4.2.2 Temporal Uniformity: “Sound Money” and “Elastic Currency” Notes 5 Franchise Finance: Why We Retain It—And Why We Need Not 5.1 Why We Retain It: New Facts, Old Ideas 5.2 Why We Need Not: New Facts, New Prospects 5.3 Ending Hybridity—Citizen Ledger Finance in Broad Outline Notes 6 Digitized Citizen Ledger Finance: What We Now Can and Must Do 6.1 Liability-Side Reform: Reserve Accounts, Citizen Wallets, and Resident Wallets 6.1.1 What the U.S. and Others Do Now: Reserve Accounts 6.1.2 What We Must Add: Digital Citizen Wallets, Resident Wallets, and Their Common Digital Ledger 6.2 Asset-Side Reform: Digitized CB, NIC, PSF, and Other Public Issuances 6.2.1 What We Do Now: Finance Ministry Debt, Agency Debt, and (Sometimes) Other 6.2.2 What We Must Add: Digitized CB-Discounted Paper, NIC Issuances, PSF Holdings, and Other 6.3 Systemic Ramifications: Private Sector Transformation and Public Sector Consolidation 6.3.1 Private Money Capital: From Credit-Generation and -Multiplication to Honest Intermediation 6.3.2 Public Investment Capital: From Central Bank and Finance Ministry, Fiscal and Monetary, and “T-Bill,” “Fed Note,” and “Mint Coin” Separation to Digital Consolidation Notes 7 Digitized Citizen Ledger Finance: Logistics and Technics 7.1 From Abstract Accounting to Concrete Logistics: Making It Happen Now 7.2 From Macro Logistics to Micro Technics: Why to Digitize Now 7.2.1 The Bright Side of the Ledger 7.2.2 The Dark Side of the Ledger Notes 8 From Digitized Citizen Ledger Finance to Citizen Fintech: Democratic Digitization and Its Possible Forms 8.1 Moneys and Payment Systems 8.2 From Payments to Moneys: Technical Options for the Democratic Digital Currency Notes 9 Digitized Citizen Ledger Finance: Cavils and Competitors Notes Epilogue: From Fintech to Ourtech—And Our Finance Index