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The Third Option

Taking Matters Into Our Own Hands

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Private Bank Big Picture Doesn’t Include Small Business

Robert C. Simmons
January 18, 2024

While Private Banks Help Themselves, Public Banks Could Help Communities Short-term short-sighted thinking is apredictable survival strategy within the hostile environment of profit maximization. Private banks are the apex predators in this virtual economic reality; they feed upon the real economy, but unlike natural predators, they do not create balance, diversity, or healthy ecosystems. Their…

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Balancing Short-term Private Bank Priorities with Long-term National Public Bank Prosperity

Robert C. Simmons
January 18, 2024

The profit maximization mentality of private banking inevitably leads to short-term short-sighted money-making schemes that inflate the money supply and drive all the negative externalities of economic inequality. A National Public Bank will provide a long-term vehicle to fund those needs essential to the health and general welfare of the U.S. population, as well as…

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How Public Orientation Benefits Society, Why Profit Maximization Consistently Falls Short

Robert C. Simmons
January 18, 2024

The current economics is oriented toward profit maximization. Profit maximization environments are noncooperative settings that communicate uncertainty and instability, and thus encourage and normalize a positive feedback loop of short-term reactive behaviors, most of which generate negative long-term consequences for people, as well as the communities and ecosystems they inhabit. Economic exchange in the United…

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Hamilton's National Public Bank

National Public Banks solve Private Bank Consolidation Issues

Robert C. Simmons
December 20, 2023

As of June 2023, 40% of all U.S. banking assets were in the hands of just three bank holding companies: JPMorgan Chase, Bank of America, and Citigroup. As of 2023, the ten largest United States banks own 70% of all U.S. bank assets, compared to 42% twenty years earlier.1 Private bank consolidation creates a cyclical…

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