PayDay Money Dreamers

I’m a dreamer, I admit it; particularly a money dreamer. And even though I hate so much about what others have done to the American political and electoral systems, for some reason I still have faith in using the foundations of these processes as a means to a better end. [It’s almost as if I was born and dropped into a system I have to fight to fix! Imagine that, Dreamers!]

The only problem being that for my high and mighty expectations to materialize, there needs to be a purposeful, aggressive, deep, layered, vigilant effort of dramatic, technological advocacy to ensure that creative, even disruptive (as in shockingly different business mentalities) ideas move the game forward -- the very kinds of dancing I believe, sight unseen, Obama has set in motion.

My last posting was about what is becoming known as Qualitative Economics and Impact Investing, academic contemplations that could put one to sleep faster than Dr. Ben Carson’s simple existence. Still, like it or not, these are important financial avenues of access that are already being widely seen and experimented with by various levels of people and institutions in the American money networks -- and I believe it is incumbent upon us to hire a new political CEO to do all she can do to keep this trend advancing.

Hence the foundation for my point of view about all the grumblings associated with the place of the Democratic Party (and it’s chief employee) in regards to consumer financial services:

Payday loans, quick and expensive extensions of short-term cash, are the horrible love-children of bad and ugly players in the money industry. But they exist for a reason; one that needs to continue to exist, though without such back-bending appeasement to usurious demons.

It is possible to have an empowering, routine money liquidity system that helps, not hurts, those most in need of being able to play with the ways and means of success. There is a deep need at this time of ongoing recovery and there will be in the future as well for ready and fair access to money here and now. As everything within the internet of exchanges begins to occur at breakneck lightening speed, expecting lesser well of souls and families to have to wait a while to get paid will put them at an unfair economic disadvantage greater than just being broke. And this reality is soon going to be upon us no matter whether the nation is run by a pukey obnoxious, capitalist failure (right Trump), or by a revolutionary driver of democratic socialist convictions that envision degrees of equality for all.

But getting to that point? Now that’s going to take some fiscal prowess. Financial liquidity makes movement, growth ... makes change, big and small, feasible. Harnessing the better parts of this … well … that’s an idea of considerable, empowering value.

I’m a dreamer but not entirely a fool. Even as President Hillary settles into office and goes through the painful process of trying to achieve some amount of cooperative bipartisanship, she will already be facing the fact that dramatic, impactful, sustainable, quantitative system for financial fairness is already being developed. And, no matter what shape the revolution that seeks to balance profit and social purpose takes, it will become a form of fiduciary interactivity that will involve the good, the bad, and the ugly parts of the banking and investment sectors -- all of whom have their claws in the payday gambits. A winner tries to be administratively smart about upgrading this progress with the technological promises already taking shape.

Like it or not, Congress and the traditional money grubbers will be involved; and they are learning how to swallow the promises of putting cultural value into a spreadsheet. But they will not be allowed to do this alone and with extreme selfishness as in the past. New and innovative thinkers and doers will be at the heart of this change as well.

What exactly the payday games of the future might look like, how they could work fairly, even who will invest their personal excessive dollars in such greatly altruistic initiatives … well, that’s harder to say. Personally, I’m willing to bet that the driving forces will cover the spectrum of the Alphabet, Inc. or, at least, that engage some which span the reach from the Cs (as in Chan) to the Zs (as in Zuckerberg), a couple of whom have already socially broadcast their intentions.

Blaming the Democratic Party and its public head for what is likely a much bigger game seems unfair. And my hopes are on the fact that our Madam President will be far enough ahead of the thinking to be able to cash in readily come next year.

Then again, when it comes to putting stuff to work … I admit, I’m a bit of a money dreamer.