[Skybird]

As I said before, as long as the new way does not cost netto more than the system now, I could imagine circumstances under which I am willin to try it out. But there need to be a minium cost effectiveness like this ^, and it must indeed be hanbding responsibility away from the bstate and back towards the individual.

The main obstacle I see, is this: if somebody like me dares ot say that "freedom" implies not only freedom to succeed, but also freedom to mess personal endavours up and to fail, this somebody daring to say this usually would cause the whole wolf pack howling out loud immediately, and that social justice means that nobody needs to fail anymore. Uh! Go figure. Only winners, no loosers? Dream on, but without me, please. Its here where they will argue that additional money needs to be pumped into the new system. And the redistribution carrousel starts turning again - and the social industry lobby starts campaigning again.

And another one. Caring for your own financial respionsibilities, is tricky. Insurrances are nit the most trustworthy of businesses, nor are banks, managed investments fonds and so forth. I know that years ago, before I have had read severla books aboiut money, economy, investing and such things, I would have depended heavily on salesmen and their candy-sweet promises, which always came across queer for me since I have a strong mistrust there since my birth. In Germany, we have experiences with partial giving back of such responsibility to the citizen, the system is called "Riester-Rente". And it is a costly nightmare for the private investors, the abuse by banks and institutions is immense. - There is no way around it, but if you want to give back self-responsibility to the ordinary Peter and Paul, then you need to provide Peter ands Paul with the needed basic fundament in knowledge and education about business and economy, money and investing - and that is heretic teaching that banks as well as political party want to prevent you from learning since it threatens their power monopoles and their profit interests. Not oikely to happen. So, to send Peter and Paul down the street of self-responsaibility in the business and money environment as it is today, means to saend cattle down the road to the slaughteirng house.

The abuse by banks and insurrance companies will be immense. Lessons learned form German Riester-Rente system.

I'm sorry, but there are no easy, simple ways out of the mess we are in. I am quite ocnvinced by now that the indispensable ingredient for changing the world for the better, is immense, collective civil disobedience and civil hostility towards the cartels of business lobbies and political parties. But if you consider that plltics today turn a vast part of the population, the majority, into net receivers of the social redistribution - how likely then is it that the majority will show such collective civil disobedience? Its as big as the chance that in the ECB board of directors the net payers will ever gain a voting majority again: fact is the majority of votes in this gremium is formed by the netto-receiving EU states, no matter what constellation there is due to constant rotation of seats. Which therefore have the power to order the netto paying countries to pay for them. Draghi's disguised financing of state debts - formally forbidden by fiscal laws and EU treaties - is the result.

All these high flying plans made of dreams and ideology and philantropy, are dysfunctional because of one simple truth: they ignore, they intentionally leave out recognition of the real truth about human nature and the psychology of the masses. And thats why they never worked in history as the initiators of revolutions hoped they would. Because when it is not in line with human nature, then it is against human nature.