SOCIALOEKONOMIE

Kako sistem spremeniti? Je sploh možno? Je sploh potrebno?

dobri linki na to temo: Magrit Kennedy
No debtor is an island, paying interest all alone. Everybody pays the cost of interest,even those who do not borrow directly. Interest costs are included in the price of everything we buy, whether the goods or services are provided by the businesssector or the government.

The production of whatever we buy must be financed in some way, and interest is the cost of using financial capital. Margrit gives examples that show the percentage of the costs that go to pay interest on capital. Though her examples are drawn from her native Germany, it is clear that the pattern would be similar for all industrial nations, since their monetary and financial structures are all basically the same.

Kennedy shows that the costs of interest on capital in the 1980s, as a percentage
of the fees paid by users, were 12% for garbage collection, 38% for
water, 47% for sewers, and a whopping 77% of rents paid for public housing.


She also compares the interest paid and the interest gained (as income) for the population of what were then West German households divided into ten diff e re n t
income groups of equal size. This comparison indicates, as expected, that the
lower income groups, because they tended to be net debtors, paid much more
interest on their debts than they gained in interest on their investments.

Indeed,the 80% of households having lower incomes, on average, paid more interest on
their debts than they gained in interest on their investments. The highest 10%
gained about twice as much interest as they paid, and the richest of those gained
progressively more.

Lending money at interest, either directly or through financial intermediaries,
is one of the primary mechanisms by which the rich get richer and the poor get
poorer.