The People’s Ledger: How to Democratize Money andFinancethe Economy

ArXiv ID: ssrn-3715735 “View on arXiv”

Authors: Unknown

Abstract

The COVID-19 crisis underscored the urgency of digitizing sovereign money and ensuring universal access to banking services. It pushed two related ideas—the iss

Keywords: Sovereign Money, Universal Banking, Digital Currency, CBDC, Currencies

Complexity vs Empirical Score

• Math Complexity: 1.5/10
• Empirical Rigor: 0.5/10
• Quadrant: Philosophers
• Why: The paper is a conceptual legal and policy proposal for restructuring the central bank’s balance sheet, using narrative and institutional analysis rather than mathematical models or empirical backtesting.

  flowchart TD
    A["Research Goal: Democratize Money & Finance the Economy"] --> B{"Key Methodology"}
    B --> C["Conceptual Analysis of Monetary Systems"]
    B --> D["Policy Proposal for Digital Currency"]
    B --> E["Comparative Analysis of Banking Access"]
    C & D & E --> F{"Data & Inputs"}
    F --> G["COVID-19 Economic Impact Data"]
    F --> H["Existing CBDC & Sovereign Money Frameworks"]
    F --> I["Universal Banking Access Statistics"]
    G & H & I --> J["Computational Synthesis & Model Design"]
    J --> K["Key Findings & Outcomes"]
    K --> L["Proposed "People's Ledger" Framework"]
    K --> M["Universal Access to Digital Sovereign Money"]