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Notes -
I've been circling this idea of a "government bank account", for allocating resources to government services in an equitable way.
The idea goes, just because services are government-administered doesn't mean they aren't subject to scarcity. And the disconnect between user and payer means that people use services with no regard to cost, and providers operate with no regard to quality. If only we could subject this to market dynamics!
The libertarian runs with this and says that all services should be paid for in cash (and removed from the aegis of the government, for good measure). But then people are shut out of public life, compounding inequality and misery over generational time scales.
If we're not going to entirely jettison the idea of a welfare state (which I would rather not; alle Menschen werden Brüdern and what not), then I would suggest a second currency, one which accrues regardless of work or merit, and which legally cannot be traded away.
This puts to the people some interesting questions. Would you rather go to work via the toll road, or heat your home hotter? Would you rather cash a welfare check, or receive end-of-life care?^1
The parallels to the Chinese social credit system are elucidating: whereas they've turned their whole society into a prolonged exam (they love taking exams), I'm proposing an exercise in private property x inalienable rights.
This also opens up more palatable avenues wrt congestion pricing, private/public competition, etc. Probably does interesting things to the meta of democracy but I haven't thought that part through.
^1 Yes, we Québécois receive electricity and healthcare as government services. To be frank, I don't know why you'd do it any other way.
I imagine that every kid a family has is a huge cost against this government bank account, due to the cost of public schools. While I would like it - I could homeschool to save up for retirement - it would create a perverse incentive to lower birth rates further.
Not if the "money" accretes from birth.
In that case, parents will be making choices for their children that can seriously impact them later in life. It's bad enough now, but I'm imagining a parent running out their children's government bucks on various things, leaving the kid with no social net for the rest of their lives (or until they get children of their own.)
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