AI will displace millions of American workers within 2–3 years. Three systems will collapse simultaneously: income, consumption, and the tax base. Neither expanded government programs nor pure UBI can meet this challenge.
$12–14 trillion in labor costs will be displaced.
When AI displacement reaches critical mass
Workers lose wages. The "selling time for money" contract that has defined work since the Industrial Revolution stops functioning for millions.
Without wages, consumer spending evaporates. Companies that invested in AI to reduce costs discover they've eliminated their own customers.
Government revenue — heavily dependent on income and payroll taxes — disappears. The fiscal foundation for any response erodes.
The Human Credit System replaces the capital-labor contract with a capital-citizen contract, where your value is inherent and corporations compete to support your well-being.
Massive tax reduction. Market-driven solutions. Smaller government. Private sector efficiency. Deregulation that delivers value.
Every citizen receives a Human Credit. Corporations earn it by helping people. Government sets incentives and prevents fraud. That's it.
Universal coverage. Corporate accountability. No one left behind. Individual agency. Protection for the most vulnerable.