Bob, 43 — a software salesman with a mortgage and two kids — just lost his job to AI.
His savings drain and the bills pile up. "Retraining" points him at jobs AI is already taking. He falls through the cracks — through no fault of his own.
Providers compete to earn his credit — housing, healthcare, and a path forward are covered, and Bob chooses who helps. He stays secure while he finds his footing.
Every year, a fresh start.
Assuming you can afford healthcare at all, you pay about $1,000/month — roughly $12k a year — for health insurance.
Congress sets your healthcare credit at about $25k/yr. A new insurer offers you free care to earn it — you accept and assign them your credit.
The insurer covers your care costs (~$12k) and redeems your $25k credit — a $13k profit. Or sells the credit to a trillion-dollar firm (Google, Meta, Anthropic) that needs the write-off.
Everybody wins — care delivered through the market, not a bureaucracy.
Illustrative figures; actual credit values would be set by Congress.
New credits issue every January 1. Providers must earn your trust annually — no coasting. Congress readjusts values on the data: self-correcting by design.
Every citizen occupies exactly one Category at a time. Significant need (disability, homelessness, chronic illness) is a value modifier that raises the credit — the more help someone needs, the more valuable their credit. Parts are extensible: Congress could add Part D (education/retraining), Part E (childcare/elder care), just as Medicare added Part D. Illustrative — Congress sets the actual categories, Parts, and values.
The accountability engine — the citizen chooses who earns the credit, so providers must actually help.
A provider can sell surplus credits to a trillion-dollar firm that needs the write-off.
Nonprofits and churches participate on equal footing.
You are valuable because you are human — and you hold an asset the private sector needs. A person in need is an opportunity, not a burden.
Base credits don't cover provider costs; profit comes only from verified results. Competition drives quality upward.
You choose who helped you. Consent-based support. Bad providers get filtered out; good ones build reputations.
More displacement → more high-value credits → greater incentive to help. The faster displacement, the more valuable humans become.
Values anchor to service-delivery outcomes, not dollar amounts. AI productivity exerts downward pressure on the cost of each outcome.
Government sets values, polices fraud, issues credits. It does not deliver services, manage cases, or run programs.
As AI turns labor cost into profit, the Human Credit captures a fair slice — taxed at the existing rate, with the loopholes that let it escape closed.
Legacy entitlements (~$4.17T) are redirected into the system as it matures.
A bounded, temporary deficit bridges the early years — then turns to surplus.
Outcome-based: a provider earns only by delivering. Individual assignment is required. A public blockchain records every issuance, assignment, and redemption — auditable by anyone.
Providers accepting credits owe an imputed fiduciary duty to credit holders — accountability beyond criminal penalties.
Individual fraud: up to 5 yrs + $250k fine. Corporate: up to 10 yrs, 3× fine, executive liability, permanent ban. Organized: RICO, up to 20 yrs.
We cannot wait until millions are displaced to build these systems. The Human Credit is a starting point — not perfect, not complete, but a possibility worth exploring before we run out of time. We invite critique, refinement, modeling, and debate.
humancredit.org