What I keep coming back to is this: The numbers add up!

Our current accounting and governance systems are fundamentally broken because they concentrate power, obscure money flows, and separate citizens from decision-making. If we want real transparency and real trust, we don’t just need better politicians—we need an entirely new financial and civic operating system.

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The contradiction: We let anonymous bond markets "vote" on governments daily with real consequences... but not citizens transparently on policy.

So, with universal digital ID, there's no technical barrier—only power incentives and inertia.

This system globalizes because fragmentation protects elites. We Must Demand it from below: Start in cities/DAOs, scale up.

Bottom line: If digital ID is accepted globally, this radical transparent model isn't optional—it's the logical endpoint.

Anything less preserves control for the few.

Whether we like it or not, the tide of universal digital ID is rising—pushed by governments, the UN's "50-in-5" campaign, EU mandates, and national schemes from the UK to India and beyond, often framed as essential for services, security, and inclusion but criticized as a coercive gateway to unprecedented surveillance.

Yet in this forced march toward a digitized identity, lies our greatest opportunity: to seize the infrastructure they're building and flip it into the ultimate tool for reclaiming power—a radical, fully transparent, real-time governance system where every vote is public, every official revocable, and every dollar traceable, turning their control mechanism into the people's unbreakable ledger of continuous consent.

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If they're going to bind us to digital ID, demand the radical upside: a global, blockchain-backed platform that makes opacity impossible and power truly ours again.

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1. A New Kind of Accounting System

First, the accounting itself needs to be redesigned.

Instead of one centralized system that controls everything, we split public finance into clearly defined, separated functions:

• Payables: what money is approved to be spent

• Receivables: what money is collected or contributed

These systems are structurally independent. They do not control each other. If communication is required, it must pass through a neutral operational administration layer, staffed by role-separated participants with clearly defined permissions.

No single entity gets monopoly control.
No single group can move money unilaterally.
Every action requires multiple independent sign-offs, preventing capture, corruption, or quiet manipulation.

Think of it like a high-tech vault:

• Layered access

• Role separation

• Time-locked actions

• Public visibility of every movement

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2. Real-Time, Publicly Visible Money Flows

All public funds would exist in a real-time transparent ledger.

Every citizen could see:

• How much money exists in the pool

• Where it is allocated

• Where it is being spent

• When it moves

• Who approved it

No hidden budgets.
No buried line items.
No “we’ll explain later.”

Payments are not automatic—they are periodic and conditional, released monthly only after:

• Public review

• Public voting

• Threshold approval

Money does not move unless the people approve it.

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3. Collective Funding to Build the System

To bootstrap the system, the entry point doesn’t need to be complex or elite.

For example:

• If every Australian contributed $10, and

• Even 80% participation was achieved,

There would be more than enough capital to:

• Build the core technology (Modelled on the currently operating stock exchange)

• Audit it publicly

• Open-source it

• Stress-test it

Once built, that same system could be duplicated globally—not reinvented every time.

Australia.
New Zealand.
The United States.
Everywhere.

The infrastructure would be reusable. The rules would be visible. The trust would come from transparency.

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4. A Single, Transparent Tax Pool

Instead of opaque taxation systems, imagine a single public tax pool where:

• 100% of incoming funds are visible in real time

• No money disappears into black boxes

• Citizens vote directly on allocation

• Budget changes are traceable and auditable

People wouldn’t just pay—they would actively participate in directing funds.

This turns taxation from:

“Money taken from you”
into
“Capital you consciously allocate.”

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5. Legislative example (mine personally) 

Transparency, Accountability, and Informed Consent in Insurance Dispute Resolution

Purpose

This proposal is advanced for public consideration and legislative vote within a transparent civic voting framework.

Its objective is to correct systemic imbalances in the insurance sector that quietly penalise consumers while disproportionately benefiting insurers, particularly during policy formation, renewal, and dispute resolution.

This position is not anti-insurance.
It is pro-accountability, transparency, and informed consent.

Where companies profit from public trust, they must operate with public clarity.

Background and Problem Statement

Once insurance is established, policies are commonly renewed on an ongoing basis, with consumers relying heavily on advice from brokers or insurers. Reports, exclusions, fine print, and policy conditions are frequently agreed to under time pressure, particularly during property purchases.

Material risks, exclusions, and non-covered assets are often not disclosed in a manner that is clear, complete, or comprehensible to consumers.

When disputes arise, consumers are routinely directed to the Australian Financial Complaints Authority (AFCA) as the primary—or sole—remediation pathway. However:

• AFCA is not independent in funding or structure.

• Consumers are rarely informed that they may pursue segregated litigation or alternative legal remedies instead.

• Participation in AFCA may procedurally disadvantage consumers if the matter later proceeds to court.

This creates a system of quiet penalisation, where consumers unknowingly surrender rights, evidence, or strategic options without informed consent.

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Structural Concerns Regarding AFCA

Key issues requiring legislative attention include:

1. Funding and Independence
   AFCA is founded and financially supported by the insurance and financial institutions it oversees. While governed formally, it is not independent in function or incentive structure.

2. Procedural Prejudice
   Evidence, disclosures, or admissions made during AFCA proceedings may later be restricted, limited, or inadmissible in formal litigation, disadvantaging claimants who were never properly informed of these consequences.

3. Impartiality and Case Management Failures
   In practice, AFCA frequently:

   • Permits adversarial or intimidatory conduct by insurers and underwriters

   • Allows unreasonable allegations and procedural pressure

   • Fails to adequately assess evidence or address claimant submissions

   • Does not sufficiently account for claimant vulnerability or circumstances

4. Barrier to Escalation
   Consumers who attempt to escalate matters beyond AFCA are often materially disadvantaged due to the procedural limitations imposed by the AFCA process itself.

This structure is fundamentally imbalanced and operates to the consistent benefit of insurers.

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Legislative Gap

What is lacking is a transparent civic mechanism capable of addressing these systemic failures.

If such a mechanism existed, it would allow:

• Public scrutiny

• Evidence-based debate

• Formal voting on minimum obligations imposed on for-profit insurers

This proposal is intended to fill that gap.

Proposed Legislative Standards (Minimum Obligations)

Any insurance company operating for profit within the jurisdiction must comply with the following minimum standards:

1. Universal Accessibility
   Insurers must provide feasible and accessible insurance options to all individuals within the service sectors in which they operate.

2. Full Structural Disclosure
   Where insurers operate through parent companies, subsidiaries, brokerages, managing agents, or underwriting entities, the entire organisational structure and contact chain must be clearly disclosed in the Financial Services Guide (FSG).

3. Transparent Dispute Resolution Disclosure
   All alternative dispute resolution pathways must be clearly outlined, with plain-language explanations of their legal and procedural implications.

4. Mandatory AFCA Disclosure
   Consumers must be explicitly informed, in writing, that:

   • AFCA is funded by the insurance and financial institutions it oversees

   • AFCA is not fully independent

   • Participation in AFCA may limit or affect the later use of evidence if the dispute proceeds to litigation

5. Prohibition of Intimidatory Conduct
   Insurers must be prohibited from engaging in conduct that intimidates, delays, obstructs, or undermines claimants during disputes, whether directly or through brokers, underwriters, legal representatives, or related entities.

6. Enforcement and Penalties
   Breaches of these obligations must attract:

   • Substantial financial penalties

   • Enforceable sanctions

   • Public reporting of non-compliance

Legislative Principle

No more quiet penalisation.
No more one-sided benefit.

Consumers must not be required to unknowingly trade legal rights for access to basic dispute resolution. Transparency must be mandatory, not optional.

This proposal affirms that informed consent is a prerequisite for legitimate profit.

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6. Policy Decisions Without Public Consent Must End

One of the clearest failures of the current system is how massive decisions are made without public consent.

For example:

• Australia committing to nuclear-powered submarines

• Violating long-standing nuclear-free regional agreements

• Undermining Australasian and Pacific treaties

• Making decisions driven by money and geopolitics—not people

Not one citizen was allowed to vote on that.

Under a real-time civic system:

• Decisions of that magnitude would be impossible without public approval

• Regional consequences would be debated openly

• Treaty obligations would be visible and enforceable

No more backroom deals.
No more “too complex for the public.”

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7. What This Model Actually Changes

This isn’t just about voting.
It’s about ending invisible power.

This system:

• Makes money traceable

• Makes authority conditional

• Makes policy reversible

• Makes governance accountable in real time

It replaces trust in individuals with trust in structure.

Final Thought

We have a leadership problem and a systems problem.

Until money, power, and policy are fully transparent—and until citizens can see and vote on them in real time—we’ll keep cycling through the same corruption, just with different faces.

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A massively transparent model isn’t radical.
It’s overdue.