Dr. Oliver Heydorn, founder of the Clifford Hugh Douglas Institute for the Study and Promotion of Social Credit, introduces Douglas Social Credit as a comprehensive monetary reform model that addresses both justice and functionality in the financial system. He argues that while equity in money creation is important, functionality—ensuring that the system accurately reflects the real economy—is the true foundation of fairness. The talk explores the chronic “price-income gap,” where production costs outpace consumer income, causing artificial scarcity, debt dependence, and instability. Heydorn outlines how the Douglas model proposes solutions through a National Credit Office, national dividend, and compensated price system—mechanisms designed to inject debt-free credit, ensure honest accounting, and decentralize economic power. He contrasts Douglas’s approach with the AMI and NEED Act proposals, advocating for a balance between public oversight and private initiative. The presentation ends with a discussion on restoring honesty, stability, and freedom in economics by aligning finance with physical reality and empowering individuals as as true economic participants.

true economic participants.