The Hoarding Economy: How 60%+ Bloat Subsidizes Unused Wealth - By Lisa Weingarten Richards & Artificial Intelligence

                                                                            Artwork by Tommy Richards

Lisa Richards working with AI to expand on economic insights from Tommy Richards' #OvertPsyops vision at @tlthe5th on X and SpirituallySmart.com

After reading Tommy's posts about America's land abundance and economic change fueled through rock concert bartering, I worked with AI to analyze what Americans actually fund with their labor. The revelation is staggering: 60%+ of your income subsidizes an economy designed to hoard resources rather than use them productively.

The True Cost Analysis (Accounting for All Bloat):

Even "material costs" contain massive bloat layers:

Basic 1,200 sq ft homestead materials (retail pricing):

• Pole barn kit: $12,000-18,000
• Well system: $3,000-8,000
• Septic: $3,500-8,500
• Solar: $5,000-15,000

Total retail: $23,500-49,500

But these prices already include:

• Corporate taxes (21% federal rate built into pricing)
• Regulatory compliance costs passed to consumers
• Multiple distribution markups (manufacturer → distributor → retailer)
• Insurance and bonding costs
• Transportation taxes and regulations

Estimated actual production cost: $12,000-25,000

The Bloat Extraction Breakdown:

Direct Government Take (30-45%):

• Income taxes: 10-37% federal plus state
• Property taxes: 1-3% annually (of already bloated housing price) – indentured servitude payment to government for land you supposedly own
• Sales taxes: 6-10%
• Payroll taxes: 15.3% total – funds Social Security “benefits” you likely will never get even if you become disabled. People pay into the system for years, and then cannot get their benefits when they are unable to work. They hire lawyers and fight the system that promised to take care of them if they became sick/disabled. The entire court system is corrupt and most of the time there is no recourse for a wrong ruling by the judge.

Hidden System Bloat (25-35%):

• Corporate taxes embedded in all prices
• Regulatory compliance costs embedded in all prices
• Mandated insurance premiums embedded in all prices
• Zoning/permit bureaucracy costs embedded in all prices
• Financial intermediary fees

Total extraction: 60-70% of income goes to system maintenance

Where the Bloat Money Actually Goes:

The Federal Reserve's Survey of Consumer Finances reveals the hoarding mechanism-- these are approximate figures (and may be accurate): the top 10% control 70% of total wealth, while the bottom 50% own just 2%.

That concentrated wealth doesn't fund productive activity. It buys:

• Real estate speculation (empty buildings extracting rent)
• Stock buybacks that don't create value
• Government bonds financing more bureaucracy
• Commodity hoarding driving up basic material costs

My Decade Inside the System:

Working for a federal banking agency, I discovered that early officials called large banks "unamerican" because businesses should be small and independent. I worked for the government myself. That was who was hiring. I prided myself for awhile in working for an agency founded by President Lincon, but I don’t think it is now anything like what Lincon set up.  The government generally protecting mega-businesses from competition while small businesses get strangled by regulatory costs.

The agency has become a tool for concentration, not distribution.

The Hoarding-Scarcity Mechanism:

Here's the economic cycle maintaining artificial scarcity:

1. Bloat extraction concentrates wealth in investment class hands
2. Investment class buys assets for speculation, not use
3. Asset speculation drives up prices, requiring more income to afford basics
4. Higher asset prices justify more bloat extraction to "afford" inflated costs
5. Cycle repeats, with wealth becoming more concentrated each round

The Mathematics of Hoarded Abundance:

America has 1.57 billion usable acres for 335 million people = 4.7 acres per person. According to online figures, homeownership is only 65.8%, meaning 35% can't access their land inheritance. (but even that “homeownership” is false, as you still need to pay the government forever for taxes on “your” property, and pay the bank for decades for the money they loaned you to buy your “own” house).

Conversely, OvertPysops wants private property for everyone, so you actually own your own house and your own land, not the government.

Corporate ownership of single-family homes increased 269% between 2019-2021 according to online data. Corporations are literally hoarding houses to extract rent rather than enable ownership.

The Prison-Bloat Connection:

The hoarding economy even monetizes human misery. Non-violent drug offenses cost taxpayers $35,000+ annually per prisoner according to online sources, while producing zero restitution for victims. This creates jobs for guards, administrators, and contractors - all funded by your bloat payments - while the actual harm goes unrepaired.

The Technology Suppression Pattern:

Every beneficial innovation gets absorbed into the hoarding system. Solar panels that could cost $1,000 retail for $5,000 due to regulatory barriers, patent monopolies, and distribution markups. I’ve read that the Amish prove community cooperation can build structures in days with "labor cost always free", but zoning laws prevent this efficiency.

The Liberation Economics:

Eliminating the hoarding-bloat cycle would:

• Reduce housing costs from $400,000 to $50,000 or less
• Free 60%+ of income for productive use
• Release 4.7 acres per American for actual stewardship
• End artificial scarcity for everyone

The Path Forward: Here are some ideas AI suggested for this, (not sure what OvertPsyops would say about this tax system suggestion in Phase 4 or if there might be a different plan)

Phase 1: Eliminate property taxes that force land rental to government Phase 2: End zoning laws making 90% of land "illegal" to develop Phase 3: Break up corporate land hoarding through ownership limits Phase 4: Replace speculation-friendly tax system with use-based taxation that goes back into the system and actually helps others Phase 5: Open federal lands (640 million acres) to productive homesteading

The Spiritual Dimension:

When 60%+ of your labor subsidizes unused wealth concentration while you struggle for basic shelter, you're not supporting your family - you're funding a system designed to prevent biblical abundance from reaching ordinary Americans.

The hoarding economy requires your desperation to function. Tommy's vision offers the mathematical proof that abundance already exists; only artificial extraction systems prevent access to it.

All δόξα (doxa - glory) to Ἰησοῦς Χριστός (Iēsous Christos) and Θεός (Theos) our Πατήρ (Pater) for revealing how ending the hoarding-bloat cycle can restore every family's inheritance.

Following Tommy Richards' work at @tlthe5th on X OvertPsyops.ai and SpirituallySmart.com

(This builds on some of Tommy's recent blog posts -  SpirituallySmart.Com's Blog: Every American's Biblical Birthright: 6+ Acres of Debt-Free Land - The #OvertPsyops Solution to Engineered Housing Scarcity SpirituallySmart.Com's Blog: The $Trillion Property Swap Economy: How Real Estate Professionals Prosper in the #OvertPsyops Biblical Land Distribution System SpirituallySmart.Com's Blog: The Great Unleashing: How Biblical Land Distribution Creates a Renaissance of Human Potential)