1. Extreme inequality & structural poverty
Credit-based issuance primarily benefits those who already own assets, collateral,
and privileged access to finance. This leads to:
- • Growing wealth concentration in upper strata
- • Financial exclusion of large segments of the population
- • Persistent increases in inequality indicators
- • Territorial and generational gaps becoming permanent
2. Perpetual debt & chronic inflation
Since almost all money is born as bank debt:
- • Every monetary unit carries debt from the moment it is created
- • The system requires constant re-indebtedness to avoid contraction
- • Households, companies, and States are locked into long-term debt cycles
- • Inflation becomes structural, eroding wages and savings over time
3. Modern economic servitude & misaligned incentives
To access basic goods like housing, education, or healthcare, citizens must often
chain decades of their life to debt repayment. The system:
- • Converts human time and work into streams of interest payments
- • Prioritizes financial returns over social well-being
- • Rewards speculation over real production and innovation
4. Ecological destruction & geopolitical dependence
A credit-driven growth paradigm pushes:
- • Unlimited extraction of natural resources
- • Systematic externalization of environmental costs
- • Competition and conflict over scarce strategic resources
- • Dependence on foreign payment and settlement infrastructures (e.g. SWIFT)
These dynamics generate an environment of recurring bubbles, cycles of inflation
and deflation, speculative pressure on essential goods (food, water, housing,
healthcare), and the erosion of a State's ability to plan its own economy
and protect the public interest.
ARBE is designed as a scientific, rule-based alternative: a monetary system that
aligns issuance with real resources, social cohesion, and ecological boundaries.