The Key to the future is Human Insurance

AKA Decentralized Planned Economies

Let’s slow down here.

It’s an acceleration bubble. So you can stop, take a breath, and just be for a moment.

Wasn’t that nice? We don’t get to do that much anymore, do we?

That’s the issue I’ve see. With all the talk of acceleration, there’s nobody talking about when to slow down. When to settle in and settle down.

Just constant foot on the gas.

I’ll be honest. I’m the best at that. Always have been. Always wanted to be the fastest learner. Do my tests in the least amount of time. I loved learning, I hated proving what I learned, because I learned it for me. Why should I care about someone else’s view of my understanding? I’m learning for me.

You might have already realized the massive disconnect I have from the rest of reality.

This is not the approach normal people take to learning. They learn for a reason or for a test. I learn because I simply am addicted to more and more information. I love reading, listening, learning. I can’t stop.

And I kept going faster when the economy told me to, because that was the way out. I simply had to go faster.

Except, I went too fast. Now, I’m in a very interesting place in the economy. I’m living in a place that feels like it’s decades behind where I’m at in terms of understanding the world. Small town Ohio doesn’t change much. It’s the slow lane.

And I’m ahead of the AI techbros who think they understand intelligence. They don’t yet, but I’ll be ready when they do.

After a lifetime of wanting nothing but to be fast, I’ve spent the last four years learning how to slow down. How to cherish the journey I’m on. How to love being human again.

I optimized it right out of myself, because that’s what the economy asked of me.

Now, it’s time to make sure nobody else does that, because it’s a long road to recovery. So I’m in the process of launching Human Insurance - financial stability for humans and communities. Insulation from technology’s waves of change.

If something is good and the economy doesn’t understand it yet, that’s totally fine. We live in a predictable world. We can cover it while the economics works itself out.

That’s at the heart of engineering generosity. We spend a ton of time trying to make sure that people don’t get something they don’t “deserve”.

What if we simply helped people get where they planned on going? That’s way cheaper and less risky to the economy.

The idea here is decentralized planned economies. I view the insurance agency as the source of connection to the outside world, identifying possible threats to the stability of a community. It’s all about understanding the world and making the most accurate predictions about what the future holds.

Economics is all about predictability. So let’s show the world we are secure in our place in it and start working together for growth.

This is protection from companies that are making decisions at the birdseye level, predictions based on compressions of compressions of compressions of time and data. They are bound to make a lot of mistakes and the current thing to do is offload that risk to the individual, because their stability doesn’t matter once they are out of the company. They only exist within the company.

But they don’t. They exist within a community. They exist within an economy. By pushing that risk onto someone who can’t deal with it, then everyone else in the economy has to deal with increased risk because of a decision out of the control of the individual.

And frankly, I’ve been part of (or victim of, depending on how you look at it) the decision making process. I know exactly what performative bullshit is valued over actual learning and growth.

Once we make sure to insure the places we already love, we can focus on making them even better and making the world a more beautiful place. And we can leave the spreadsheet predictions to the people who enjoy that while those of us who want to see more humans instead of data can do that instead.

And after spending four years learning how to slow down, I’m going to accelerate one last time.

I’m going to speedrun the economy with Human Insurance. Because at this point, all I’ve got to do is give the world the model.

Then I’ll let people do what they do best: spread it and profit from it.

When you identify as “smart”, it’s really easy to let your knowledge blind you to your lack of it. I’ve seen the effects and I’ve been the dumbass. So it’s time to help make sure that me being a dumbass or someone else being a dumbass won’t put your future at risk.

Give me stability so I don’t have to tear my family apart with stress while guessing at the timelines of other people who don’t necessarily care about my life or economic situation.

Holy shit, this economy is doing some damage to people. So I’m going to start protecting people from it so they hopefully don’t end up like I did.

It’s not that hard to make money. It’s hard to fight to make enough money to survive on a specific time scale so you don’t starve when the clock runs down.

So let’s agree to something as a society: society is better when outcomes are predictable. College should lead to growth, education is valuable! But we need to recalibrate the way we measure value, because right now, it’s broken.

And that’s causing all sorts of breakdowns in society right now. I think the economy has put the vast majority of people into a state of constant stress and survival. We don’t let people plan because the world is complicated and planning is hard.

It’s time to give people a hand in planning their futures. Because let’s face it. Those at the top are definitely doing a shitty job.

That’s about all we can agree on. So we’ll spread out the ideas, see what works, and then spread those ideas across society. Create places where experimentation can happen and people can explore and play.

That’s where greatness in society comes from. Not the spreadsheet of a banker who’s charging you money for not having money.

Humans aren’t the risk in the economy. They are the economy.

And 2025 is the year that people start to remember that.