Why the City Keeps the Most

The distribution is inversely proportional to size. The smaller the entity, the more it keeps. The closer to the people, the more money stays.

City receives 40 percent. The city has fewer people than the county, but it has the most direct impact on daily life. Your road, your school, your hospital, your police station — that is the city. That is where you live. That is where your children grow up. That is where the pothole needs fixing today, not next year.

County receives 25 percent. Courts, hospitals, and infrastructure serve multiple cities. Important, but one step removed from daily life.

State receives 20 percent. Highways and universities coordinate across counties. Essential, but further from the individual.

Federal receives 15 percent. Defense and national programs affect everyone, but the federal government is the furthest from any individual’s daily experience. It does not need 80 percent to decide for everyone. It needs 15 percent to do what only a nation can do.

The principle is simple: the closer to the people, the more they keep. Because the closer problems are the ones that matter most.

This is the body walking on its feet. The feet get the most blood flow because they carry the entire body. The head thinks, but the feet move. The city acts, while the federal plans.

Those Who Cannot Afford

A flat tax and public choice are elegant for those who can participate. But what about those who cannot afford healthcare? What about those who cannot afford education?

A system that ignores them is not a system worth building.

There are two solutions, and they work together.

The Common Pool

Everyone contributes a small portion to a common pool — separate from the 10 percent tax. This pool is managed at the local level, not the federal level.

There are three pools:

The Health Pool. Everyone contributes. Doctors and hospitals are paid directly from the pool. Every person is covered — rich or poor. There is no insurance company in the middle taking 30 percent. The doctor treats the patient. The pool pays the doctor. Simple.

No claim forms. No pre-authorization. No "your treatment is not covered." The doctor decides the treatment. The pool pays. Because healthcare is not a product to be sold. Healthcare is a service to be provided.

The Education Pool. Everyone contributes. Schools and teachers are paid directly from the pool. Every child learns. Every adult can retrain. The school teaches. The pool pays the school.

No student debt. No choosing between food and tuition. No child denied education because of their parents’ income.

The Emergency Pool. For disasters, urgent needs, and unforeseen events. Managed at local level, deployed immediately when needed. No waiting for a federal disaster declaration while houses flood.

This is what Social Security and Medicare already try to do. But today they are managed at the federal level, with layers of bureaucracy between the contributor and the recipient. In this model, the pool is local. The city manages it. The community oversees it. Fraud is visible to everyone.

Grants and Loans for Extra Help

Beyond the common pool, some people need more help.

They can apply for a grant — if they are truly unable to pay, the local community verifies and approves, and the person receives the help for free.

Or they can apply for a loan — based on their ability, not a credit score. A credit score is a number assigned by a corporation. Ability is assessed by a community that knows the person.

The local community reviews applications. They know the applicant. They know whether the need is genuine. This is not a faceless bureaucracy processing forms in a distant office. This is neighbors helping neighbors, with transparency and accountability.

On the blockchain. Verified. Open. Real.

40% to the city, 25% to the county, 20% to the state, 15% to the federal. The closer to the people, the more they keep. For those who cannot afford: three common pools — Health, Education, Emergency — managed locally, paid directly, no middleman.