People should save a percentage of their worktime for old age when they cannot work. These savings can increase or decrease in value depending on how they are lent.
The bad thing about people putting money under mattresses it is like taking the oil out of your car. Both your car and economy suffer from inadequate liquidity.
Timism provides a process for a percentage of earnings to go into loans to increase the value of one's retirement savings. Let the workers re-present themselves with the admonition: All work and no politics make Jack and Jill broke taxpayers with no healthcare or retirement.
This is a phased-in replacement for Social Security which is no cure to ills and fears of old age--ask any baby boomer. The primary, conceptual problem with social security is that it is an inefficient, bureaucratic savings system that inflationarily dilutes the forced payroll savings. The secondary, political problem is that the habitual politicians treat social security like a keg party, inviting more and more people but buying no more kegs.
The number of representatives should mirror in number and location the major legislative body, e.g., city council or state upperbody legislature.
Loan limits based on economic impact. Immigrant examples of pooled funds.
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