Bob is one story; the Human Credit is universal. This is a framework, not final legislation—but the shape the law would take is easy to picture: a small set of categories that every citizen falls into (and only one), each carrying the same universal Parts, with the value scaled to need. Think of the Parts the way Medicare has Part A, Part B, and so on—a familiar, extensible structure.
Every citizen occupies exactly one category at a time, and moves between them as life changes:
A circumstance of significant need—disability, homelessness, chronic illness—is not a separate category but a value modifier that raises the credit within whichever category a person is in. The more help someone needs, the more valuable their credit becomes to the providers competing to deliver it.
Whatever the category, the credit is built from the same Parts:
| Category | Part A — Healthcare | Part B — Housing | Part C — Food Security | Relative value |
|---|---|---|---|---|
| Minor | Pediatric & preventive care | Family housing share | Child nutrition | Per child |
| Working adult | Coverage atop a paycheck | Housing support | Food security | Modest |
| Transitioning adult | Full coverage | Housing | Food | Higher |
| Retiree | Comprehensive + elder care | Housing | Food | Mid–high |
Illustrative only—Congress sets the actual categories, Parts, and values. The Parts are extensible: Congress could add Part D (education and retraining), Part E (childcare or elder care), and so on, exactly as Medicare added Part D over time.