The Quick and Dirty Local Banking Guide

The Quick and Dirty Guide to Funding Your
Grassroots Community Future
(All the Things They Don’t Want You Doing. . . )

It can get real discouraging trying to work an unresponsive system in order to try and get it to do what you want. It all comes down to having or not having the bucks to get the job done in the end. So when they stop you from getting the bucks using and rigging the system against you in order to do so, I guess you gotta change up your game and try something different. So given the fact of the dumbass wall street scammers dominating the game running the situation into the ground while preying on our trust and our lives, let’s go at the problem so that we get the solutions we actually need without actually having to engage them directly. So if I want an empowered main street economic development to manifest, then maybe I should actually focus on doing that and not what the two parties of wall street want us to do. You see, it’s more than there’s room for both main street and wall street, the one actually needs the other in order to survive and sustain itself in the long term; losing the one now imperils the other as well.
And there’s another whole sector of society that never gets funding from either main street or wall street, and that’s the people who live down those unimproved dirt roads just outside of the little town that you almost never hear about in a good light in the lamestream corporate media or from the two wall street parties. Outnumbered in the process unless the dems actually are listening (how many times has that happened?), your needs are almost universally ignored in the US drag. You see, since you don’t have things, you are therefore no longer considered a person culturally. Of course there are people who will help you out, but they are in the minority, not the majority. The majority are searching for reasons not to help a person out. That’s the motivation behind social labeling and demonization, so you can exclude them from help; not have to care for them in other words.
But the most weirdly beautiful, unlikely things can happen when you do go the distance and care though. A human life will blossom and achieve its full potential because of your sacrifices. A future will bloom in your midst. And that’s where the fear and the control trip kick in because you aren’t really in control of the outcome, though it will probably be better than you think. There I go again. . . . !!! During the 60’s and 70’s, we got to the point where we wanted to add new areas of enterprise to the existing political economy in the US. It was a rough row to hoe to say the least, but we did get it done. We had to do our own banking and insurance because we got frozen out of the existing fascist culture or the lack thereof in the US. So we did. The college I went to had both food and housing co-ops on campus, six of them. They were slowly but surely phasing them out when I left as the whole nation swung right and stupid under Bush-Raygun. The cooperative movement really took hold in the 60’s and 70’s, but it has been downhill ever since with people rejecting the idea of just giving a certain amount of filthy lucre away to a good cause. Sure people still do it but not like they used to, especially with the current ongoing global drug war on terror and recession in our faces; see how it’s all about fear and paralysis yet?
So what do I do about fear and paralysis? I make a plan for the future that overcomes that fear and just do the plan as best I can. So where are the problems in our economy? There’s no money for the main street and the back roads that may become main streets. How do I beat that problem? I keep the tax monies and the extended credit as local as possible, ie, we make up our own money from our resources by loaning it out at a ratio of 10 dollars loaned for every dollar we have. That’s what’s called a revolving loan fund and every county should have a couple of them; this is why. Every business area has differing and specific needs, so you format your profit/not for profit community bank/ revolving loan fund for the functions you intend it to finance; like very/extremely low income housing, or small business development, or school upgrades or bridge or water system or sewer system maintenance.
So notice how it is that both parties don’t really do that much about reversing poverty or supporting local economic development or upgrading local infrastructure. They seem to be focused on wall street and the big institutions because it is believed that that’s where the big money lies. Well, Bernie disproved that theory and we showed each other what we can do when we put our minds to it. Let’s take Bernie’s movement a few steps further. Let’s outreach to those who are excluded from the lamestream corporate culture; the freaks, the minorities, the elderly, the disabled, the homeless, and the unemployed, overcoming our negative lamestream cultural programming about these people as we do. I saw a fox news anchor spew lies about the homeless for a solid six months; and what was really educational for me was to see how most everything they believed about them and their truth was a lie they had intentionally fabricate. As usual, they had no specific, effective, workable, HUMANE solutions. And what I later found out was that a lot of people just don’t have what it takes to get beyond those convenient lies to a more complex truth about the situation and that is mostly why we fail those situations as badly as we do. We are kept in a state of constant terror about not ending up like other people already dropped off the edge of the world for whatever trumped up nonsense they have been attacked by.
For those of you that want to do something to help out in your community, town, and city, let’s just try something. Let’s create inclusive spaces where everyone is welcome and help each other out doing what needs to be done in our communities. A person should be asked to leave if they are physically violent or destroy property; but not for anything else. So you got something you want to do like a business or an art project or a community project like an extremely low income housing development. How do we pay for it; the hater fascist bankers just said no again. We create our own community banks for supporting our community projects. So who is in my community? Those in prison, those homeless, and those invisible unemployed I consider part of my community, but not in a lot of other people’s narrow-minded, truncated misconceptions of community. I can come up with ways to help people out by listening to people who have been there, so then I know how to help out in the best, most constructive, most humane way.
So when I am threatened by budget cuts that cut my income, I need to have a way to replace that lost income. When they want to cut my pay and take away my earned wages, then I have to have a way to replace that income. So I create a revolving loan fund legally making one dollar into ten so I can take care of my community and invest in the future. So I want a public not-for-profit infrastructure revolving loan fund bank for public investment, etc.. I want a private for-profit bank for micro/small local-regional business development since both parties have largely omitted this kind of investment in their budgets; there is a huge shortage of local investment credit for our national county-level future. Some combination of public or private; not-for-profit, nonprofit, or for-profit should be specific enough to protect you from hostile takeovers; additional legal language specifying the function of the bank will probably be necessary for good protection. You can create as many revolving loan funds as you want; just remember you have to pay the money borrowed back at some point; not that the republicans ever did during the murdering ’80’s.. It is reported that we lost a huge number of local-regional community banks when Clinton signed off on eliminating Glass-Steagall protections and this is one more way to replace that lost money to support local community investment. Also when credit is locally controlled, then people who are not able to understand our situations or just see our communities as something to steal from or prey upon, don’t have the power to ruin our local situations from afar and/or on high. The really sad pathetic thing about all this is that the dems did not support public banking at all in 2016 for obvious reasons. The Green party did mention it during their campaign, it was a platform item, but who was listening? Not too many people even after the lamestream corporate news media allowed Jill Stein a teensy bit of time on the air to appear fair; nowhere near as much as Trump. She was smart, decent, and a woman; Trump was dumb, greedy, and a man, so he got access, and lots of it too.
The big problems people ran into back then was coming up with adequate legally required business insurance. Also county code restrictions were reactively forced on situations rather than having the capability of responding appropriately to new situations outside the fascist coffin; sometimes a county code can allow a variance if the community leaders aren’t too stupid or reactively fascist, insane, and maybe even bought off. What I found was that fears need to be laid to rest consciously and rationally in discussions in the community if a controversial project is to move forward. Those fears may even be exploited by some parties in order to benefit themselves at the expense of the rest of the community. There are ways of compensating for this if you’re dedicated to that (and I hope you are). This is how you do that; you compare and contrast their propaganda with the usually more complex truth of the actual situation; then come to the solutions that are appropriate and specific to the situations.
Towards that end, I developed a bottom-up review process over the leadership of any group so that if they are taking the group in the wrong direction and destroying the groups mission, a simple majority can override their decision-making, getting the mess back into the channel, if the leaders are incompetent or criminally abusive of the group or the community. That’s also a way of breaking consensus deadlocks too. Many corporate funded nonprofits are pretty abusive and most don’t respond to correction. A nation is only as good as it’s people. Amerikkka has been fascist for a long, long time, and most poor people regardless of gender get royally screwed in the court system as it is presently populated with republicans. it’s not about fair anymore, it’s all about the money. Finally if you have a problem like an issue for an activist campaign, find a solution for your problem before they take it over and ruin it by not responding to the major issues you bring up in their co-opting non-solution. That will take dedicated lawyers; seen any lately? I am looking for a good civil rights attorney or five. The changes we need to make are pretty big but doable; yes it is doable to reduce fossil fuel consumption by 70%. I know now that we can do this if we choose to. It will be the greedy ones who will kill us off in the end.,,,,,,, Three great books; The Phoenix Program, by Douglas Valentine, In the Land of Hungry Ghosts, by Gabor Mate’ MD, and The Final Mission: Spooky 8, by Bob King.
Lyle Courtsal January 14, 2017


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Lyle Courtsal is a disabled author/activist who has worked variously as a school bus driver, tree planter, truck driver, and shipyard laborer. He has also attended three colleges, but prefers studying on his own. During the past several years, he has developed a street outreach method for getting intensively self-poisoned, dually-diagnosed addict/alcoholics off the streets and into truly helpful hands while maintaining constitutional standards of non-discrimination and privacy. His technique has an 80 percent success rate. Lyle likes really big, old, live trees; Frisbees; sailing; mid-70s long nose Kenworths going really fast; hardcore rock; true decency; generosity of spirit; and freedom. He presently more-or-less exists in Seattle, Washington. He goes to church at least once a month whether he needs it or not. Check out the book-Enjoy!!

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