Every US citizen receives one Human Credit per year.
We must be honest about what's coming. If AI and robotics are displacing workers at scale, retraining people for jobs that will themselves be automated in 36 months is a stalling tactic, not a solution. The Human Credit must support people in building lives of meaning, security, and agency—not merely shuffle them into the next soon-to-be-obsolete role.
To accomplish that seemingly impossible goal, the Human Credit System replaces the capital-labor contract—where your value depends on selling your time—with a capital-citizen contract, where your value is inherent and corporations compete to support your well-being.
Every US citizen receives one Human Credit per year—a federal tax credit they assign to organizations that meaningfully help them. Corporations offset their federal taxes dollar-for-dollar by earning these credits through verified results. The more a person needs help, the more valuable their credit becomes.
Bipartisan by Design: The Human Credit concept's true superpower is in the way it seamlessly aligns both conservative and progressive agendas. The previously incompatible agendas become two sides of the same coin. This bipartisan unlock (see Section 4) may be the system's most important feature: it makes political cooperation possible even in our divided era.
Powered by the Private Sector: Government delegates its traditional role of redistributing wealth to the private sector. In the optimal scenario, government's role would be strictly limited to setting credit values, verifying outcomes, and preventing fraud. The goal of avoiding more bloated bureaucracy is achieved.
But Private Sector Participation is Voluntary: Corporations can reduce their tax burden by choosing to help people. The profit motive and human well-being become the same thing.
Deregulation Delivers Value: Within a minimally deregulated service delegation regime, the private sector is free to dynamically organize itself to capture maximum ROI through tax credits which are refundable and fungible.
Individual Empowerment: You hold the asset. You choose your providers. You assign your credit to whoever actually helped you. That's personal agency, a crucial milestone on the road to abundance.
Your Birthright: Every US citizen receives a Human Credit every year. Not because you earned it. Not because you applied. Because you are a citizen, and this is your share of the abundance that AI creates.
The Market Competes for Your Credit: The greater your need, the more valuable your credit becomes—and the harder corporations work to earn it. The system turns human need into market demand.
Agency is Empowering: You decide who earns your credit. Assign it to one provider or split it among several. The power to allocate is the power to shape the market that serves you.
Incentives are Outcome-Based: Credits would conceptually be structured to incentivize positive outcomes for citizens. This is where the bipartisan magic happens ... what outcomes do we prioritize as a society?
Fraud Proof: No one can compel you to assign your credit. Private sector participants assume a fiduciary relationship where coercion or fraud of any kind is a federal crime.
Every Year, a Fresh Start: New credits are issued every January 1. Citizens can stay with providers that worked or change course entirely. Providers must earn trust annually—no coasting on last year's performance. And Congress readjusts categories, values, and incentive structures based on what the data shows, making the entire system self-correcting by design.
Each year, every US citizen generates one Human Credit. With a population of 330 million, this creates 330 million Human Credits for that tax year. Congress sets official categories and values, structured with base amounts plus outcome bonuses to ensure providers actually succeed in helping people.
Organizations see the value of your credit and approach you—not because they're charities, but because helping you is a business opportunity. You evaluate providers and choose who to work with based on their track record, approach, and what they offer.
Your chosen providers deliver meaningful support. Service delivery in the HC system includes: housing and community, healthcare and mental health, entrepreneurship support, education and intellectual enrichment, creative and cultural support, family and elder care, financial guidance, and transition support.
The vision is abundance, not reemployment. Think of the analogy: everyone gets to retire right now, regardless of age, with the resources to have a meaningful and fulfilling life. People create, explore, connect, and contribute—not because they must sell their time to survive, but because they're free to direct their own lives.
At year's end, you open a simple interface (mobile app, web portal) and assign your Human Credit to the organizations that actually helped you.
Assignments are:
This is where individual agency becomes real. Your Human Credit is your voice. You are deciding, for yourself, who deserves to be rewarded for making your life better.
Organizations accumulate credits from people they helped. At tax time, they submit these credits to offset their federal tax liability—dollar for dollar.
The cycle completes. The corporation avoided taxes by helping people. The individual received help and retained agency. The government achieved its policy goals without running programs.
Congress sets official Human Credit categories and values each year — with flexibility to make them mutually exclusive, overlapping, or modular depending on policy goals and geographic needs. The specific categories, structures, and dollar values would emerge through legislative deliberation and economic modeling. (See Deep Dive: Credit Categories and Values)