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True Life Podcast Episode Description
In this powerful return conversation, host George welcomes back Remzi Bajrami, co-founder of Common Planet, to dive deep into the future of economics and human coordination.
Remzi introduces Creditism — a bold alternative economic system designed to replace debt-based capitalism with pure credit, eliminating scarcity mindsets and enabling true abundance. Drawing from a decade of research across finance, philosophy, game theory, and systems design, Remzi breaks down:
• How modern banking actually works (and why banks are privileged debt creators)
• The hidden truths about government “debt” and infinite money creation
• Why capitalism, socialism, and communism all fail at the same foundational level: pre-distributing Earth’s commons to a privileged few
• The core principles of Creditism: unconditional income, activity-based credit creation, democratic bonus metrics for production, and currency deletion upon spending
• The planetary membership project IU (“life” in Sanskrit) — a decentralized network launching soon to co-create digital tools for governance, record-keeping, and a new infinite game
This episode challenges everything you thought you knew about money, power, and possibility. If we’re going to solve the metacrisis — ecological collapse, inequality, endless conflict — we need a fundamental evolution in how value is created and distributed.
Remzi and his team are going public now: Substack launching tomorrow, YouTube in January, and the IU app in early 2026.
Join the conversation. The old game is breaking. It’s time to build the one that comes next.
🌍 Visit CommonPlanet.org to get involved, donate, apply as a partner, or join the early invite list.
#Creditism #PostCapitalism #EconomicEvolution #Abundance #InfiniteGame #TrueLifePodcast
One on One Video call W/George
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Support the show:
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Creators and Guests
Host
George Monty
My name is George Monty. I am the Owner of TrueLife (Podcast/media/ Channel) I’ve spent the last three in years building from the ground up an independent social media brandy that includes communications, content creation, community engagement, online classes in NLP, Graphic Design, Video Editing, and Content creation. I feel so blessed to have reached the following milestones, over 81K hours of watch time, 5 million views, 8K subscribers, & over 60K downloads on the podcast!
What is TrueLife?
TrueLife is a story-driven documentary podcast that explores the invisible threads connecting us to each other, the world, and the mysteries of life. Every episode uncovers extraordinary journeys, human transformation, and the relationships that shape our stories.
True Life Podcast Transcript
Host: George
Guest: Remzi Bajrami
Topic: Designing Systems After Capitalism – Value, Collapse, and Coherence
Date (in context): Circa late 2025
[Intro music fades out]
George:
Ladies and gentlemen, welcome back to the True Life Podcast. I hope you’re all having a beautiful day – sun shining, birds singing, wind at your back.
Today I have with me Remzi Bajrami. We’re talking about designing the systems that come after… focusing on value, collapse, and coherence. In a time of systemic strain and unrealized potential, Remzi works with clarity and discipline. He studies how economies function, where they fail, and what must replace them. Where others see disorder, he sees structure. Working across data, development, finance, and philosophy, his focus is coherence over control – designing systems that serve people rather than extract from them. His aim: a future where value moves freely and with purpose.
Remzi, thanks for being here today. How are you, my friend?
Remzi:
Thanks for having me, George. It’s great to be back. I think our last conversation was roughly a year ago.
George:
Almost, yeah. A lot has happened since. We’re finally ready to move forward – that’s why I reached out. I’m super stoked. Maybe catch people up: what are you working on, and what are you most excited about?
Remzi:
I’m the co-founder of Common Planet, along with my daughter. The project is introducing the world to an alternative economic system – one not based on debt, one that enables life.
A couple of years ago we coined the name Creditism – because the current system runs on credit and debt. Creditism is just credit, with no debt.
We’ve spent the past decade developing this alternative economics, learning internally. Economics touches everything: psychology, sociology, game theory. No aspect of life is separate from it.
What we discovered is there’s a real transitionary path forward – a way to change the global game so humans can finally coordinate instead of compete over supposedly scarce resources.
There’s enough food, housing, and money (since money is a human invention). The problem is distribution and coordination. Creditism solves that, so we can live in peace and prosperity.
Today I’m reaching out because we’re finally going fully public:
• Substack launches tomorrow
• YouTube channel in January
• And most exciting: we’re launching a planetary membership called IU (Sanskrit for “life”) to co-create decentralized digital tools for credit, governance, record-keeping – essentially building the new system without permission.
George:
Man, I love it. We’re ready for this – tired of scarcity and fear driving everything.
Let’s start at the beginning. Where is the current system most dishonest about its own health?
Remzi:
Debt. We’re constantly told countries are bankrupt or drowning in debt. That’s nonsense.
At the national level there’s no debt in the way people think. Governments don’t borrow and then spend – they spend first, creating money, then issue bonds (time-locked savings accounts) to soak up excess. The money already exists.
It’s like Monopoly: the bank (central bank/government) creates money according to rules and spends it into existence. Taxes delete it. Money is infinite digital units.
The “debt is inevitable” story hides the truth and protects international banking interests.
George:
You mentioned The Creature from Jekyll Island – the central banks, BIS as the bank of banks…
Remzi:
Let me walk through how banks actually work – something I’ve never heard anyone do clearly.
1. You open a regular corporation: register, get ID, open bank account.
2. To raise money, you sell ownership shares to investors.
Now a bank:
• Same registration, but you need massive initial capital (e.g., $1 billion from investors).
• You deposit that capital in your reserve account at the central bank.
• Per Bank of International Settlements rules, you can then borrow 20–30× that amount into existence (so-called “credit creation” – but it’s debt creation).
• You “purchase” loan contracts (mortgages, car loans, credit cards) as assets. Double-entry: liability (money borrowed into existence) on one side, loan contract (asset) on the other.
• Banks are debt merchants with a special privilege normal corporations don’t have.
This explains the explosion of debt types over decades: homes, cars, education, even toasters – because banks borrow at zero interest and lend at interest. Their entire business model.
Nations came later – to codify property and enforce this regime, creating money to buy resources from the owner class.
If people realized money is unlimited and spending is a political choice, the whole scheme collapses. That’s why the lie persists.
George:
Power is never relinquished – only taken. These entities have global tentacles. They won’t give up control quietly. What do we do?
Remzi:
Read Finite and Infinite Games by James Carse: those who must play cannot play. Their power is in the current rules.
We defect – build an alternate rule set, alternate incentives that are stable and infinite.
In the past, trust and record-keeping prevented this (paper records alterable). Now blockchain/digital tech gives unalterable records – we can trust agreements.
We build an alternate game (credit, currency, governance) that people can join and survive in. Once enough do, the old power withers – because we stop acknowledging their money/rules.
George:
How do we fix the distribution problem – pre-distributing Earth’s resources to a few who then collect rent forever?
Remzi:
Capitalism, socialism, communism all kept the foundation: someone owns the stuff (oil, trees, fish), money is created to buy it from them. It’s like pre-dealing all valuable properties in Monopoly to a few players.
Creditism separates currency from ownership of stuff:
1. Unconditional income – same amount to every human (solves poverty baseline).
2. Activity-based credit – money created for labor, teaching, caretaking, etc. (rewards real contribution).
3. Bonus system – like sports scoring for producers (e.g., bike makers rewarded for lower energy use, durability, lighter weight – metrics set democratically).
When you spend, money deletes. No ownership class collecting rent. Currency infinite, life infinite.
George:
How do we actually build this? What’s the plan?
Remzi:
• Media push: Substack (tomorrow), YouTube (January), articles, videos, white papers – give Creditism a name so others talk about it.
• Launch IU app in ~2 months (invite-only first 6 months):
• Verify unique ID
• Reward points/tokens for joining, referring, contributing, partnering on regenerative projects
• Early patrons & partners get priority invites + share of 1–2% point pools
• Build decentralized tools: governance, voting, property/GIS mapping, unconditional income component
• Eventually open to public. Use incentives like WorldCoin (free tokens for joining) – but genuine, not a data-licensing scam.
Goal: co-create open digital architecture, capture value from old system, funnel to regenerative commons projects.
George:
How do you prevent arbitrage, speculation, rug pulls like in crypto?
Remzi:
Crypto/Bitcoin are speculative abstract assets, not currencies. IU points/tokens:
• Granted free for participation (no sale like Ripple/XRP)
• Future “credit currency” token is non-tradable, personal (like NFT) – only usable if a country adopts Creditism
• Speculators can trade IU tokens if we allow it (still debating), but members aren’t speculating – they’re building.
• We control issuance, conversion, distribution rules – prevents intentional rug pulls.
George:
Small-scale example – how does it work in practice?
Remzi:
Local exchange trading systems (LETS, Berkshire bucks, etc.) help velocity locally but don’t change the global game – still plug into capitalism.
Real change requires national-level law changes (property, corporations, banking). IU can become a global LETS-style tool while we build political momentum.
George:
Final thoughts on CBDCs, Bitcoin standards, etc.?
Remzi:
Any country can shift, but international trade still forces capitalism. CBDCs just speed clearing – money’s already digital. Real fear is a centralized global CBDC, but international banking cartel won’t allow it (threatens their borrowing privilege).
They don’t know how to do anything else – debt fuels extraction/growth under current rules. Incompetence + privilege, not just malice.
George:
Where can people find you and get involved?
Remzi:
CommonPlanet.org (updates tomorrow) – email me, LinkedIn, Facebook.
• Subscribe to Substack/YouTube
• Donate → patron pool
• Apply as partner (regenerative projects)
• Join early invite list
• Reach out to discuss, contribute, or join the team
We’re building a big tent – planetary movement for life.
George:
Thank you, Remzi. Aloha everyone!
[Outro]
End of Transcript
This cleaned version removes filler words, repetitions, false starts, and off-topic asides while preserving full meaning, tone, and all key ideas for easy reading.